So when I called my local AT&T store, I was surprised to find that they will accept any payment method EXCEPT cash. Checks, credit cards, debit cards, etc. I won't be pre-ordering and I need to do an upgrade swap. So I will probably be at my AT&T store at about 4 or 5 am. The place where I live has about 40,000 people so I'm not very worried that I won't get an iPhone 4. Just a bit...