Verizon software?

[misterbull]

Likely the SIM wasn't updated to pre-install and you lucked out on the Note 20. It's corporate policy to preinstall as that's the case for all phone models given from the phone unless you're using a SIM that's already pre unlocked. All SIMS bought from official suppliers or approved sellers will have them preinstalled which will not be possible to prevent unless using modified SIM that might have problems connecting. --> Speaking from experience and learning the hard way, avoid modified SIMs. You'll think you're doing something clever but it will fuck up your 4G/5G connections.