I then proceeded to make the switch even though I was at the beginning of a new monthly billing cycle with AT&T. In the end they still ended up charging my credit card for the entire month, and when I called back they said I was given incorrect information. I must pay for the full month, regardless of whether I used the service or not. I disputed the charge through my credit card provider, provided the necessary documentation, and they initiated a chargeback. AT&T then started sending me nasty letters threatening to send me to collections and claiming that the debt is still outstanding regardless of the chargeback. What would you do? I have great credit and don't want to risk having a collection show up on my credit reports. My initial thought is that this totally sucks, but I might just have to pay and move on with life.