Which iPhone 4 applications of these use up my phone credit?

Mundane

New member
In the past week, I had RM10 of credit in my phone. I did not make calls that go more than one minute. I wrote several domestic SMS. Today, I am shocked that my credit line has gone to zero. No money.

I'm beginning to wonder if it's the applications I installed in the last couple of days ate up all my phone credit. These are the iPhone applications and I'm hoping some of you may have something for me.

SpendingLite - free - a personal expense/budget finance software. I reckon it's not.
Skype - I downloaded it for free but never got to log in or use it.
AroundMe - free - a software that locates nearby restaurants, bars, cafes, bus stations, etc. I reckon it's not.
Viber - free - now this is the thing that puzzles me. They say it's a software that send free messages when both iPhones have the application. I'm not sure if this affects me.
Find iPhone - free - I suspect the whole credit thing being gone is from this one. They asked me to create a MobileMe account. I set up one and I tried to locate my phone.

I also turned on Genius for Apps yesterday and I'm not sure if that affects my phone credit. By the way, I just recently got this new iPhone 4 and I am on a prepaid plan with no internet. Shed some light on this and which of these stupid apps used up my phone prepaid credit?
 
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