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Confused and new to this prepaid plan/iPhone

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I'm thinking about getting either an unlocked iphone 4s or an iphone 4s with an AT&T Carrier. I'm very new to this prepaid plan and I did some research. I've also looked at YouTube videos on how to use this but most of the videos are old. 

 

I have a few questions to ask: 

 

For the plan - Do I pay monthly or do I pay with a card? I want voice, text and data. 

 

What card should I get? Or are they all the same? I've seen some cards that says ''3g'' on them and these were from looking at images or videos, I did not go to stores to check them out yet. (sorry if that confuses you or doesn't make sense, like I said, I'm new to this whole prepaid plan thing lol)  

 

Should I buy the microsim card from ebay/amazon? 

 

I just want to make sure that I got everything correct and understood how to use it. I don't want to have any problems or bills to show up. I just want to buy a card and refill everything just that simple and easy. 


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