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My phone has an x next to the data signal icon and isnt working. I checked my account and it says plan expired next to may plan details. I have auto pay, so why would this happen?

I know there's the IMEI checker thing for making sure your phone works on PM, but what about buying a phone online? is there a easy way of knowing if the phone would be compatible with out knowing the IMEI number?  I mean shouldn't all unlocked phone...