Thanks Nutmeg... all new to me also! I am totally Tech dummy. I have an unlocked phone I am taking to SXM and will purchase a Chippie card for use while there. Would like to use that phone on STT also as I have Verizon in the US. Sounds like Chippe won't work on STT but that I can get a card here in the States at Walmart and hope it will work in STT...that is what I am getting from this conversation...if not I hope someone will correct me.