When you upgrade at the apple store are you actually paying anything or does it show up on your next bill?
Meowmix, an addendum to your response below...... If you want Applecare, you must pay Apple for it up front. The phone upgrade will go to your Rogers invoice but not Applecare.
Once you do the upgrade via the Apple store or Rogers store the amount of the phone and upgrade fee will be added to ur next month's invoice. You pay nothing upfront.