So many calling cards exist in the market at present that choosing the best one seems as complicated as selecting the right mortgage!

However, like every other kind of financial investment, a bit of education on the subject should help avoid major mistakes. This is worth doing as rates for different cards vary greatly.

1. Connection Fees

Find out if there is a connection fee. This is charged every time a call is connected. When you connect with an answering machine, voice mail, or pager, the call is considered to be connected. Connection fees vary greatly between different calling cards. If you make only short calls, the connection fee can be exorbitant.

2. Minute Rate

This is the rate that is charged for each minute of the conversation that the caller makes. many phone cards have a cheap per minute rate, but a very high connection fee.

If you make only short calls, check the 'per minute rate' and the connection fee to ensure that either is not excessively high. it's no good paying a low 'per minute rate' and a high connection fee for a quick call.

3. PIN number

Protect your PIN number and do not share it with others. If you lose your PIN, most companies will not replace it.

4. Card Expiration Date

Many phone cards expire on a certain date. This is usually 3-6 months from the purchase date or the first use of the card. If the card expires with minutes remaining, you will lose out and have to throw the card away.

5. Rechargeable Cards

Some prepaid calling cards are rechargeable. simply add more minutes by contacting the carrier.

If you check these details before you purchase any international calling card, you will save a lot in fees as rates vary enormously.