Hello, I just sent up preauthorized payment for my phone, it says "Please note it may take one full bill cycle before the changes to your pre-authorized payments take effect. Please review your next invoice to determine whether the new payment method has been used. Your pre-authorized payments will occur every 30 days." I already owe 41.40, will this automatically be paid or I do have to pay manually? and I can't pay with debit through billing as it requires a credit card, please help, so would I need a credit card? I swore it said to stabilize my account I must pay off the money I owe manually, could someone please clarify this? thanks in advance.