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Who Calls?- this means if you are using regular phone or payphone to make your calls. If you are using a payphone, in cards’ terms check if they charge additional fees for using a payphone, how much it is and compare with other cards to make your decision.
Whom You Call?- this means if you are calling to a regular phone or to a cell phone. If you are calling to a cell phone, in Terms check if they charge different rates for cell phones and make your decision accordingly.
From Where You Call?- this means from which country (USA or Canada), State or City you are calling from. Some cards you can use only from certain states or cities and that usually very easy to notice: either card’s name include that state’s or city’s name (Ex. Crazy-Crazy Los Angeles) or nest to card’s name it says name of state or city for which that card is designed for. Usually those cards have Local Access #s for that state, county or city. If you see that card, beside 800 #, has Local Access # also, then it means that card is specialize or designed for that specific area only. Some cards could work only from specified location (state) and in detail page of those cards, on “Toll Free” line will say “(Works From X State Only!)”. So, be careful and do not buy these types of cards if you are not in that state. So, make your decision accordingly, and choose cards that specialize on your state or city. Many cards have No Local Access numbers (they have only Toll Free #) and you can use them from any states.
How You Call? - This means that what are your calling durations and frequencies: are you going to make a few long calls with your card or many short calls? If you are planning to make one or two long phone calls, then most important factor that you will need to consider is Calling Rate (or Calling Time). You will need to choose cards that give higher calling minutes (same as lower calling rates). The Connection Fees, Maintenance Fees, Communication Fees, Minute Rounding Rates, Expiration Date and other similar fees and factors are not so important and relevant for long calls. However, those mentioned fees and factors are very important to consider if you going to make many (frequently) short calls. You may consider getting cards with comparably lesser calling minutes (higher rates) but minimum charges for above mentioned fees. In this case you also will need to prefer cards with longer Expiration Date and smaller rates for Minute Rounding. Therefore, card with higher calling time is not necessary is best card for you if you are planning to make short calls. To make frequent short calls, you will need a card with No Connection Fee, Minimum or No charges for Maintenance, Communication and also smaller number for Rounding Minutes. Generally short calls are those which are lasting less than 15 min.
By considering all above mentioned factors and options, now you are able to choose right cards that will SAVE you most money. There are numerous prepaid phone cards out there and yes, there are some major differences between fees they charge. If you are serious about getting most out of your hard earned dollars, take time and just one time compare different cards and choose best one for your needs. Once you found best one for your needs, you can use same card over and over and SAVE MONEY and TIME, as long as you are satisfied with that card’s services. Online phone cards stores (one of them I already mentioned to you: http://www.PhoneCardsGallery.com ) and their tools make comparison of different cards’ rates, terms, fees, advantages and disadvantages much easier. Buying phone cards over internet is also safe, very convenient and profitable (they provide lots of discounts and you can choose right cards and save)
Karo Yegyan is an Economist, Business Researcher, Publisher with interest in fairness for consumer advice.