“if I make the one time purchase of $499 on the Galaxy S20 FE can I activate it thru Tmobile?”
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I bought mine from Best Buy and my carrier is Sprint. Even though Tmobile owns Sprint now, I still login to Sprint to manage my account. The Best Buy mobile team was able to make sure the S20FE that I ordered was compatible with Sprint (my carrier) and activate my phone right there in store using my Sprint login info. No need to change/update my Sprint plan.
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