I have the iphone 4, with pay as you go 50. month is there a way to purchase web?

i have the i phone 4, but my credit is shot so i have the pay as you go unlimeted talk text and pict sms for 50.00. Im happy with the service ive been with this mobile company for years. I  have been using the wi-fi at  my house for the phone. T-mobile now offers same price for talk text and web just you have to unlock the phone. Is this a wise choice? At@t leave me no alternative and the rep stated i can go to at@t and ask them to unlock. I am just curios if this is safe for integrity of the drive and is there and setbacks and last will at@t realize soon that they will lose a monthly sale.
when i had my 3 gs the web worked which i dont understand why the 4 doesnt. please help thanks

http://manuals.info.apple.com/en_US/iphone_user_guide.pdf
worth looking at for the future to understand backing up etc

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