Help needed... Iphone 3gs is using up all my phone credits

I bought the 3gs recently. I have a prepaid account with my cellular/mobile carrier. FOr some reason the the phone is eating up all my credits. I am going thru USD 20/hour.. How do i stop it? I have already made the following changes to my settings :
Fetch new data is off
Enable 3g roaming is off
Data roaming is off
What else do i need to do? why is it happening?
thanks for your help

You are probably using applications that fetch data over the network.
Google maps, the camera application, safari, app store, itunes app, and several other 3rd party applications do that.
The only way I can think of getting rid of that is by putting false information on
settings->general->network->cellular data network.
That way you won't be able to use the carriers 3g and edge network.

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