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Few questions about my new iphone

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I just got an iphone yesterday, and I was wondering if any one else has one? -if you do... Do you know how to make your own ring tones (for free)? -also I was wondering if you can add applications if you dont have a credit card?? - igo to the app store, then pic an application, go to 'free button' then 'install' and it says 'enter account information' what can I do?? Also I was jsut wonderning if any one else had one :)