If you have completed your contract term (usually two years), call Verizon and ask them to unlock the phone. They'll send a code to unlock the phone. I unlock phones so that I can use them with other carriers overseas.
Basically, they charge you 1/24th of the cost of your phone every month, and if you cancel your contract early they charge you an "early termination fee" to recoup the cost of the phone. If you don't get a new phone ever two years, you're still paying that fee, even though you're not getting anything in return.
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