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If you don't have a credit card or something, you can always go buy a game card, which is $9.95 for 30 days, and you can find it at either Target, or CVS (the only places I know lol). I use them all the time, and I enjoy unlimited access. And like the others said above, yes, you still get to keep your stuff when you go basic, but you just can't use it.
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