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Hi, You have a few options for delivering content to your TV. If you wish to use only local channels, you will need to purchase an external antenna, but you will not need a payment method to watch once it is connected. If you connect your TV to the internet, we offer Samsung TV Plus at no cost to you and without requiring a credit card. If you want to watch content through an app, such as Netflix or Hulu+, you will need an account that requires a credit card. I hope that helps! ~Samsung Advisor
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