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O2 payment related question

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I have an O2 sim text and calls unlimited with some data costing me £10 p/m
The device does not do 5g.
Any ideas how to keep it O2, but cut cost, possibly pay by D-D. a 12 month contract is risky when O2 can't be sure when the local 3g will be switched off.
I just need calls and text

Many thanks

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