I'm currently prepaid and have an 16gb 5. I want something newer. I take a lot of pictures with my phone, so camera is important. I cancelled my contract & went to prepaid with AT&T (cheaper) so I would be paying full-price for the phone. I've been reading online about Verizon dropping 2-year contracts. Does this mean Verizon's Edge & AT&T's Next programs will be credit-check free? How does this work?