No matter who you go with, the services are going to be about the same. It comes down to your calling patterns, what your in-state rates are and the billing increments.

Every person who pays off their credit card in full each month should be using a credit card that gives a rebate or a reward. Otherwise, you are being economically foolish. Some of these cards pay you a significant cash rebate just for using the card.

Some people still don't realize how much and how easily they can save on their long-distance bills.

The quality of the phone call with small carriers is the same, you just haven't heard about these companies because they don't spend a lot of money marketing themselves.

We think the market will change quite a bit.

As a consumer, make sure you read the dreaded terms and conditions of the card so you know what you're in for.