Prepaid Phone Ideas

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Smart shoppers want to know the relevant things to look out for when it comes to buying a calling card before hitting the stores. It's easy to tell which prepaid phone card offers the best rates, but here are some of the hidden pitfalls that you might overlook.

Expiration Date - Some calling cards come with an expiration date that renders your card useless once a certain period of time after the buy has passed. If you keep a prepaid phone card for crises, or as a backup to your regular home or cell phone, stay aware of the expiration date. However, if you are planning to use your calling card for long calls overseas, a reasonable expiration date shouldn't bother you.

Service Fees - Some prepaid phone cards advertise that they have no expiration date, but they charge a service fee for every day, week, or month that the card remains active. If you are paying a $1 a week service fee, your $5 calling card is going to expire extremely quickly, like before you purchase it.

Premiums for Short Calls - Some cards charge a service fee every time you make a call, or will charge a higher rate for the first few minutes of a call. Others round up their prices to the nearest three minutes, which means that if you intend to make a large number of short calls, the time on your prepaid phone card will disappear very quickly. If you are intending to make a few long calls or plan your calling, these fees will not affect you as much.

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Payphone Surcharges - Numerous calling cards will charge you a fee for using the card from a pay phone. These surcharges can be hefty. A lower pay phone surcharge is exclusively important if you intend to keep your prepaid phone card for use in emergencies.

Additional Features - Some prepaid phone cards offer additional features, such as bonus rates for buying more minutes, the ability to recharge the calling card once the minutes have been used up and online billing.

Prepaid Phone Cards from Major Companies Now that you have an concept of what to look for when comparing prepaid phone cards, you can examine the offerings from different companies. For instance: AT&T offers a phone card with no expiration date and no service fees. AT&T prepaid phone cards can be purchased and recharged online, and balances are available online as well. A surcharge of at least 7 minutes applies to pay phone calls.

MCI offers a prepaid phone card with no service fees and a 24-month expiration date. Calls are rounded up to the nearest minute. The pay phone surcharge is $0.65 per call. MCI calling cards may be recharged. The Visa "Misa" prepaid phone card has no connection fee but charges a weekly maintenance fee of $0.79. The pay phone surcharge is $0.65. Calls are rounded up to the nearest three minutes. The prepaid phone card expires after only three months.

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