Ok.. last minute decision to camp out for the iPhone... Im 18 and I have no credit. Where will this get me. Can I still get one. and also, what would be the only money i pay today? just the phone plus tax?? bc doesnt activation get included in first bill?? I always do this lol.. I really want the iPhone... i need advice please. Also, I don't have ATT, am I old enough to sign the contract..