My last 2 phones I've bought through swappa and eBay, one used for a month (LG G2) and one brand new in box about a year after release and factory unlocked with no carrier bloatware (S9). If you can afford the cost upfront you'll save a ton of money in the long run.
When I switched phones my sim card didnt fit in the S9 but all I had to do was take it to AT&T and they just put it in a press that cut it down to size and I'm still using the same sim.
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