It really truly depends on what "market" you are in. Some affiliates may still be waiving deposits. Most markets now require a 125.00 deposit(15% of deposit paying customer), 250.00 deposit (80% of deposit payers), or 500.00(5% of deposit payers) deposit. The percentages of course are an estimate. I have mostly seen 250.00 a few 125, but have yet to see a 500.00 deposit. This "option" you speak of is just a spending limit placed on the account. deposit paying customers will have a 125.00 spending limit on their account. When you reach or exceed this limit (billed and unbilled charges), your service is suspended until you pay it under 125.00. One credit class is allowed two lines, no deposit, and 200.00 spending limit. Good Luck!