Actually, no they do NOT need your credit card information. Also, you CAN sign up in a store that is an authorized dealer. Do NOT buy the phone and then add the service afterwards, you'll be ripping yourself off. Get the phone and the contract at the same time. As a side note, I have Helio services myself and am growing unsatisfied. The only problem I have is that it doesn't work everywhere, and if you have any problems, you have to live in California in order to visit a corporate store without discussing your issues over the phone. Take it this way: the person who talked to over the phone didn't know what they were talking about...take that as a hint about the company overall.
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