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Miss or Ms sounds like you are new to cell phones, you pay for "AIR TIME", that's whenever you are placing a call or receiving a call. Read your contract.

Pre-pay phones are more expensive to use per minute than having a calling plan, and always have been. They are aimed at people who have bad credit or don't have a steady income to support the expenses.

Regarding prepaid cell phone service.

I have a prepaid service and used my phone to call my health insurance company, I was charged for that phone call.

I told a service rep there is a reason why toll free numbers exist. Often you are held online for several minutes before even speaking with a customer service rep.

But the policy remains, prepaid cell phone users are charged to make calls to toll free numbers.

This is disgusting and this policy should be outlawed.

From what I understand, the US is seriously lagging in cellphone technology, both in general but importantly related to banking. Considering that banks still don't open branches in inner city or rural areas of the US, is this technology and model applicable to the States as well?