I want to preorder but atm about 200 shy to get phones for both wife and I. I made and extra payment to make room but hasn't hit as of yet.. Do they just check to see the card is valid or do I need the room open at the time of purchase? Thanks for any help.. also think I could add the apple care a few days later since I wont have the phone anyway till the 17 or so. Talking about the 99 plus coverage.