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U.S and International Calling Capability Flat rates per minute No hidden surcharges* No monthly fees No expiration date Reusable (additional minutes can be added to Card) Plus, New Add-On Features Save Time and Simplify the Calling Experience!* PIN-less Dialing - Make calls without entering the PIN on the back of the Card Lost Card Protection - Provides added security by replacing your Card minute balance if the Card is lost or stolen Three-Way Calling - Conference in two callers at the same time for fast, simple connections Voice Mail - Set up a private voicemail box on the AT&T PrePaid Network for convenient message access. Speed-dial - Program up to 10 frequently called domestic numbers so you will have one touch dialing capability for those numbers AT&T Autominutes(sm) - Have minutes automatically added to your Card when your balance is low. *These optional features can be added for an additional charge. Fees for these features are deducted from the Card's minute balance. A surcharge of at least 23 minutes applies to pay phone calls (subject to increase). Calls are billed in 1-minute increments with partial minutes rounded up to the next full minute. Minutes are based on U.S. domestic calling. International flat rates are higher than U.S. domestic flat rates, differ according to destination called, and are subject to change. Rates may be higher from calls to or from mobile phones. Cards are only refundable at Wal*Mart locations, with a receipt and only remaining minutes will be refunded.. If you recharge your Card, all Card minutes become non-refundable. Recharge minutes may have different rates, surcharges and terms and conditions that may change from time to time without notice, and are available by calling Customer Service. These are global Cards. Minutes do not expire. Safe

Credit card - A credit card system is a type of retail transaction settlement and credit system, named after the small plastic card issued to users of the system. A credit card is different from a debit card in that the credit card issuer lends the consumer money rather than having the money removed from an account.

Credit card debt - Credit card debt is an example of unsecured consumer debt. It results when a customer of a credit card company does not pay the company for the money he or she has spent.

VISA (credit card) - Visa is a brand of credit card and debit card operated by the Visa International Service Association of San Francisco, California, USA, an economic joint venture of 21,000 financial institutions that issue and market Visa products. The Visa card was launched in 1976 and the card was derived from the earlier BankAmericard issued by Bank of America.

Credit card fraud - Credit card fraud is one of many forms of fraud involving credit cards, charge cards, debit cards, or prepaid cards.

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