Couple of questions...
-is this phone good? (i have a crappy kyocera rave7)
-does the tmobile pay as you go service have decent to good reception?
-can you download games and wallpaper through the pay as you go service?
-what is a "SIM card"?!
about the T-mobile service i am not familiar with it but i know it was an ok service with at&t wireless, usually you are able to go online on the phone but as far as purchases you might need to pay for those e-wallet charges with a credit card.