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so I received my first bill, however have NOT received the SIM card to put in my phone,  I certainly am NOT paying for a service that I am not able to use

 

It’s a part of ordering online:
Heads up! Your card will be charged as soon as your phone/SIM order is submitted online. Your billing will start when your order ships from our warehouse.”

https://www.koodomobile.com/en/help/ordering-online


In saying that though, how long ago did you place the order and what date did the bill start?