A report from Consumer reports says that almost 75% of prepaid phone cards bought did not disclose calling rates. That's not all. Most prepaid calling cards had many fees and surcharges hidden carefully in the very fine print. 

So, how can you buy a prepaid caling card and make sure you are not duped?

- Carefully read the instructions on how to use the card
- Understand the rates for your particular phone card
- Read the “fine print” to understand any fees, conditions, or limitations on the card
- Check to see if the advertised minutes apply only to a single call or to multiple calls
- Confirm the expiration date to avoid losing unused minutes
- Make sure there is a toll-free customer service number provided with or on the card
- Get referrals: ask your friends and family to recommend cards they have used and liked