I'm in the very small minority, perhaps 0.55% of users, that is over AT&T and their deceptive practices. Updating to 4.0.1 made it very clear that NO improvements have been made since iOS 2.0.2 in my area. Rather than pay AT&T through December I could save some cash by just canceling the line. How does this affect your standing with AT&T? Can you signup next year without an issue? If I refuse to pay the ETF will it ding my actual FICO score at some point? How will it affect my other line with AT&T?