1. UNDERSTANDING PHONE CARDSDeveloped By by

2. Things to think about before buying aPhone CardBefore buying a phone card you need to understand: What you are buying. How much it will cost you to ring overseas. Whether or not there are costs that you did not knowabout. 3. Types of Phone CardsMost people buy phone cards to make international calls to their families and friends.If is often a cheap way of making calls and does not cost as much as mobile phone or landline/home phones.They can save you money. 4. Things to understand Some phone cards look like you gets a lot of timeto talk for paying only a small amount of money.Often they either do not work or you do not get theamount of time to call that you thought you had paidfor. There are often costs for calling that they donot tell you about. 5. Thing to understandPhone cards are also more expensive if youuse them with your mobile phone, becauseyou will probably be charged a high rate for themobile call plus the money you paid for thephone card. You can save money by using the phone cardfrom a home phone. 6. What you need to understand International calling cards can sound like they offercheap rates to call overseas but often there are lotsof extra fees, charges and conditions. 7. Administration Costs Sometimes after you have made a call the phonecard business will keep charging a fee. They will do this whether you are using the card ornot. 8. Connection and Disconnection FeesThe phone card business will often charge fees both for connecting and disconnecting calls. 9. Expiry of time on cardMany cards only last for a short time between threeand six monthsAfter this time you are unable to use them. 10. Ways phone cards are chargedSome phone cards charge in blocks of timeThis means that each call will be charged to the nearest five minutes even though you may have only talked for 3 minutes. 11. If you have a problemIf you buy a card which does not work tell someone like your Case Worker about it. They may be able to help you. You can also make a complaint to the Telecommunications Industry Ombudsman.