A telecommunication credit card used by consumers to pay for telephone and cellular services. Calling cards employ a prepaid credit system through the use of prepaid calling cards. If a card allows consumers to add funds to the card, it is a refillable card and will usually have permanent PIN. Other types of calling cards have a defined number of calling minutes available. Users enter the calling card code into their cellphone to activate the time and dispose of the card. Calling cards are a common way for consumers to pre-pay for long distance telephone services, and are also commonly used for “Pay AsYou Go” cellular phone plans.