If you are not a ASL customer then you can have things billed to your account if you are not delinquent on your current paymnet. The easist thing to do is wait 24 hours after your billing cycle closes to purchase the phone. That gives you 30 days until that charge would go onto your bill and 45 days until that charge for the phone would be due. If you have not had any paymnet arrangements for the last 90 days, then take the date your bill is due and add the seven day grace period. Call customer care on the 8th day after the bill is due and you can get paymnet arrangements where you pay some of the balance then schedule two more paymnets for the remaining balance over one months time. That is the easist thing to do and the late fee that you will incur is 1-5% of the past due paymnet and no charge for the paymnet arrangement so it is a good deal-good luck!