There are 2 types of cards. One has you dial 199 or 198, then you type in the pin number on the card. The other has a chip in it - you insert it into the phone, but those types of phones are limited. Neither are low cost, but I don't know of a cheaper option. Anybody ??
The 199 type card is very convenient, and I always buy one of these. I use it for local and international calls.
I also buy a card with a chip, because I call my cell phone's voice mail for messages. It asks me to press # for messages. The 199 or 198 cards interpret the # as a disconnect, which ends the call. Very frustrating. Now I know.
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