Use A Stand-Alone Telephone Calling Card
          
          
               Intended for travelers who use calling cards
          frequently, there is a discount telephone calling card
          that has a flat rate of 17.5 cents per minute for
          interstate calls, anytime, anywhere in the United
          States including Puerto Rico, Hawaii, Alaska, and the
          U.S. Virgin Islands. There are no surcharges, no
          monthly fees, no minimum monthly billings, and
          international calling is also available.  
               The calling card is free, and is a stand-alone
          card, meaning that a person using the card does not
          have to change their long distance service. It saves up
          to 68% over the leading competitors, including prepaid
          phone cards (most of which are around 40 cents per
          minute).
               But it is the "stand-alone" part that makes us
          mention it here. Because the card can be applied for
          without having to subscribe to a new long distance
          service, one can use the card for things like calling
          overseas banks, and pay the separate calling card bill
          from a different bank account, or by money order. The
          record of calls made won't be showing up on your home
          or office phone bill, so there's no easy to follow
          trail of calls to an offshore bank or money manager.
          And since the separate calling card bill can be paid by
          money order, it doesn't create a credit card charge
          record which is one of the problems in recharging
          prepaid phone cards. (And you don't get an embarrassing
          "out of time" recording and cut-off, which can easily
          happen on a prepaid card when a $10 card is being used
          for an expensive overseas call.)
               For an application form, send a stamped, addressed
          reply envelope to: 
                    Center for Business Information 
                    Attn: Phone Card Applications 
                    816 Elm Street, Suite 187 
                    Manchester NH 03101-2101.
               The cards are only available to holders with a
          U.S. address and social security number.