hi could some one explain if i bought an iphone of the apple website then i have to activate the iphone on itunes what if i then failed the credit check id have an i phone i cant use ???? also in an o2 store i take it they will do a credit check will they offer a pay as you go instead if you fail check ???? one more thing if the iphone isnt subsidised why are we stuck in a 18 month contract ????