OK This puzzles me,,,, Your willing to pay £120 for a pay as go phone....how much credit are you gonna put on in the year?? £100 - £200 So where looking at £250 ish. Why not go contract..,.get yourself a ncie £20 a month tariff with free phone. Shit load of texts, shit load of minutes.. £20 a month x 12 = £240 ....and you saved yaself a shitload of pissing about getting credit. Only downside is you have to be 18 to get a contract phone. If you aint 18, get you mum to do it and give her £20 a month, Just an idea