“if i finance this phone through at&t will i be able to use it for cricket will i still make my payments?”
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As long as the model is compatible with Cricket, you will be able to use it on that network after 14 days with AT&T. You will go to the AT&T unlock request website and apply for an unlock. You will still be responsible for the installment payments every month which will be reflected on your AT&T account as usual.
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