I need to replace my cellphone and renew my plan. The agent on the phone told me any charges I could defer to the next billing statement of my account. But, when I was at the store they insisted I pay the fee for a new SIM card upfront. I don't have the $15 until next month. I got pretty steamed in light of what the phone customer service agent told me. I also got steamed by the service at the store. I am a former retail manager (for many years). Considering how much money they are going to make off me I would have waived the $15 entirely and absorbed the cost. Ridiculous. I was very angry and let him know that. Fortunately I stopped short of making a scene.