Ok but NEVER buy it from T-mobile because it will be locked.
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True. Do you know of any options for people without an account and who don't want a new one?
Verizon phones are the same as tmobile or AT&T except they also have CDMA enabled. You could buy a verizon phone at a $450 discount, cancel after a day (paying $350 early termination fee, $55 first month, $36 set up fee). Verizon phones are all unlocked.