I'm with AT&T and what I did was buy the phone and put it on a new plan (since I had to in order to get the phone). I went home, got on the AT&T website, and paid the phone off in full. After that, I called AT&T and asked them to put me back on my old plan since I never wanted to change it in the first place. They were pretty cool with that and changed me right back. I had an old plan that is not in available right now too