I don't quite know which one to use (PAP or CHAP), and whether 3G works with one better than the other. Plus, can't remember what the default was any more. I am on Rogers in Canada, and took out my MMS connection settings, because I really don't use the MMS feature (if that helps). I guess I had better go and look more at Wiki or google to find out what Chap and Pap mean now.