Sign agreeing that you are responsible if you can't make a payment. A contract that states that if you don't pay than your credit card will be automatically charged. And at most they can demand a small down payment before getting the phone. But not having to deal with credit checks and having them put a hard dent every year if you want to upgrade the phone even with an almost perfect credit it will HURT the person's score every time you want to upgrade with the program. It is not fair how all this phone contract thing works. The best is if you don't make the payments. Then they should just automatically put a charge on your bank account. Is that simple?