Hello all! So after a few days of HORRIBLE service on my iPhone with AT&T and speaking to dozens of AT&T reps, they issued me a credit of $248 to my account. Now I'm checking my options here and I'm extremely curious.. I paid $506 (tax included) for an early upgrade iPhone 16GB. If I wanted to return it, how long would it take to receive the refund? Also, once the refund is received, and I wish to go the At&t store and use my credit to get the iPhone 5 64GB, would that be possible with the early upgrade restored and using my credit?