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All SMS messages are restricted to 160 characters, regardless of service provider. If you want to send a longer message then split it into more than one message or it will automatically be sent as a MMS.
You call your service provider and they will send you the settings as a txt msg. When you receive the txt, click save or install (it depends on how your phone works) That's all, no need for user name or password unless you want to complicate things.