So, if you buy a new unlocked iPhone and take the SIM out of your old phone and put it in your new phone, and don't want any changes to your account, do they still charge you $20, even if there is no new contract and you didn't buy the phone from them? It sure does seem hard to justify. My monthly bill has been creeping up recently, and I haven't looked into why, but it's not a result of me using more minutes, text or data. That shouldn't be allowed either. My only consolation is that I own a little stock in AT&T, and it has been trading pretty high lately. I guess I know why!