What all happens if I reset everything (Content and Settings) on my iPhone 4?

The day before yesterday I have discovered a problem where I have an app stuck on 'waiting...' And the app refuses to either download or delete. I've tried everything, syncing my phone to the computer, trying to redownload it on the App Store, but nothing seems to be working. I'm now assuming the only way to get rid of the app is to reset all content and settings off of my phone, which would be the last resort for me and is something I'd rather not do. But if I do reset everything on my iPhone 4, I would like to know all 'side effects' of this action and if it affects any data concerning credit card information or if my number or data plan will need to be added again. It would be very nice to find a way to avoid resetting my phone and delete the 'waiting..' App, if anyone could give me any information about that problem. If not, it would still be great if I could know what will happen to my phone if I reset it. Thank you so much, any and all information would be greatly appreciated !!

What you are describing as "reset" is actually called a Restore.
FIrst try doing a Reset by holding the power and Home buttons down for 5-10 seconds until you see Apple logo on the screen. This does not erase any of your data or setting, but often helps with problems like yours.
Restore Is a more involved process, but you'll still be OK if you follow instructions.
Use iTunes to restore your iOS device to factory settings

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