You'll have to call Virgin Mobile's inner circle customer care for this work around. When you call Technical support, ask to be transferred to the Inner Circle Support. Regular tech support won't know anything about this work around.
Ask Inner circle support to place the order for whatever iPhone u want to buy for you. They don't have an autopay banner on their end, so you don't have to enroll your card in autopay if you do this.
When you get your iPhone and after setting it up and get it activated, tell inner circle that you want to go back to the $35/month paylo plan and they will do that for you! ^_^
**NOTE**: you HAVE to do this within 30 days of buying your iPhone if you don't want to be on the inner circle plan. If you wait longer than 30 days to do this, you'll be trapped with the Inner circle plan!!
I hope this helps anyone who doesn't want to be on the inner circle plan!!