I've never had issues. I guess if you want to be extra cautious its good. Hopefully you don't have a corrupt backup though.
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I had the same issue. I went into contacts and checked all of the boxes for the categories of contacts and then they all showed up.
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You can export your contacts from your online VZW account tobacco csv file and then import them from your sd.
put the contact.csv file on my sd card but im not sure how to import it