Hi, I am currently awaiting my iPhone from the Apple website, and I just thought of something.. When you activate the iPhone and enter your credit card info..does AT&T charge you for the activation fee and the first month upfront, or do they send you a bill at the end of the month? The reason I ask is because I have about the minimum amount on my credit card to pay for the iPhone itself. My paycheck should be coming in soon and restore balance to my credit, but I just wanted to make sure that they will bill you at the end. Can anyone confirm that they don't charge your card right after activation?