For over a decade, I’ve just found that prepaid is easier. It’s not a credit issue (I’ve had an 800+ FICO for eons). I’ve had a credit balance (they owe me) with both Verizon and AT&T since at least 2008, and I’ve only had to remember to replenish it to extend the time once a year. Given that, I did forget once with each carrier, but in both cases they restored my balances when I went a bit past the 1 year mark for the renewal.
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