Who is your carrier? I would guess it is probably something to do with your carrier or your plan. I've had Android for years and I've never had a text refuse to send, but I've always had an unlimited text message plan in recent years. Is it possible you have a limit on text messages per month in your plan?
My T-Mobile plan used to be a limited data plan, but when you hit the data limit they just throttled back the speed instead of cutting you off. That is probably what you are running into with the data speed. Now I have unlimited data (I think, I never hit a limit so I don't really know).
I'd check into your plan and see if there are limits. Also, each carrier customizes Android, so it's possible there's something weird about your phone but it seems less likely.
**EDIT** Oops, sorry. I just reread your post and I see that you say your are using an unlimited card. So, maybe I'm off-base. Still, depending on the carrier, I think it might still be worth checking into whether "unlimited" really means unlimited, or whether there's any fine print.
The other thing you could do is see how to do a factory reset on your phone and see if that fixes the problem. But be sure to back up contacts and data first if you have anything important stored.
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