good question, I do not know that answer....I have S10+ Verizon is my carrier got 5gig data plan. unlimited text call cost me $52mo. maybe you should change to Verizon.....I bought my phone outright and I bought it unlocked also.
quick update, I inserted a verizon sim card, the phone rebooted to apply carrier setting, then I checked the update, boom! got it as expected! 👍 I just don't understand samsung, why do they do this? so ridiculous.