Your mortgage lender or credit card provider will definitely report a late payment to the credit bureaus, but utilities and cell providers likely will not. (inc.com)
These are available online from all major cell providers. (gregoryforman.com)
If you want a wifi only tablet, you won't find it at T - Mobile, AT&T, Sprint, Verizon, Cricket, or any other CELL PROVIDER! (tmonews.com)