Ordering a phone at retail price from the site, not eligible for upgrade

I am planning to pay retail for the iPhone once it becomes available for pre-order (judge me as you wish) but I have never ordered a phone from the website before, upgrade or not. I am not the account holder, that is under my mom's account on the website. Here are my questions -
1. Am I given the option to pay for the phone with any credit/debit card or must it be the one associated with the monthly bill?
2. When I go to upgrade the phone it says upgrade is not available on any of the lines (which is why I am paying retail) - does it still allow me to select the phone and then take me to the next page and show that I must pay retail and then I start the checkout process?
3. Must the purchase be done on the account holder's account?
4. Will the four digit Billing Code be needed to purchase the phone? What other information from the account holder is needed?

dustindh wrote:
I am planning to pay retail for the iPhone once it becomes available for pre-order (judge me as you wish) No judgment - you are free to spend your money as you choose, as we all are!  but I have never ordered a phone from the website before, upgrade or not. I am not the account holder, that is under my mom's account on the website. Here are my questions -
1. Am I given the option to pay for the phone with any credit/debit card or must it be the one associated with the monthly bill?  You can pay with any method you choose - immediately with any card, or add it to the bill (if qualified to do so).
2. When I go to upgrade the phone it says upgrade is not available on any of the lines (which is why I am paying retail) - does it still allow me to select the phone and then take me to the next page and show that I must pay retail and then I start the checkout process? Yes, it will only give you full retail pricing options.  However, I have heard/read somewhere that initially, pre-orders for the iPhone will ONLY be available to those who are currently upgrade eligible.  We'll have to wait and see...
3. Must the purchase be done on the account holder's account?  I believe so, or you must be an account manager to be able to do anything that affects the plan, billing, etc.
4. Will the four digit Billing Code be needed to purchase the phone? What other information from the account holder is needed?  I don't know the answer to these - and it may be a moot point anyway if you are not currently upgrade eligible.  You may need to wait till the release date to try and order, rather than do a pre-order.

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