Moved sequentially from S8 to S10, then to S22 +. The feeling that the S10 has been deliberately "slowed down" in recent months. I actively use the Wi-Fi sharing function The office has a ban on connecting guest devices, and the mobile network catches a little badly, so everyone suffers. Helps out in this scenario. Plus, in the country, I use the same feature, accepting the Internet from an unlimited SIM card and distributing it further around the house on a PC, for which 2-3 people work, as a result, the distributing SIM card is 10-15 meters away. Everyone catches everything as if everything is nearby. If the linking of a 2022 card for Samsung Pay does not work in the next six months and there are no other options for linking a card, then there is a high probability that you will have to change your phone to something more suitable for everyday life.
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