
The idea behind the phone card is elegant: You can make calls from any phone at any time without having to fuss with coins. You make a call by dialing into a central computer and entering your card number and the number you want to dial; the computer keeps track of the time you are on line and subtracts the cost for the time from the amount of money in your account. Some cards offer advanced features including speed dialing for frequently called numbers; information services, and a monthly activity report.

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