Alright so here's my issue... I have no credit. None at all. It's not that my credit is bad, in fact I've never applied or thought about getting a credit card, I find it useless to get a card so I can spend borrowed money that I already have have so that I then have to pay that money at the end of the month with an extra fee. I would rather just use my debit card and pay for whatever I want without borrowed cash. About a year ago I tried opening up an account with T-mobile but they said that I wasn't able to open an account due to credit. I looked around online about credit and they said that you have to deposit like 500 dollars in order to open a contract account with ATT if you have no credit. Is this true? I also looked around here on the forums and saw that a person was able to buy an iphone through apple.com with a debit card. If I do try and buy the iphone with my debit card, would I pay from then on with my debit card? Or is it just not possible to buy the iphone and make the account with a debit card?