Few questions about my new iphone

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

if you have a mac there is a program on it that you can do that my aunt and uncle have iphones. im sorry I dont remember what it is called I thikit has band or something like that in it