I purchased the Hot Phonecard in Auckland New Zealand with the understanding that calling rate to the US was about $.02 a minute. This was shown to me on a chart at the store where I purchased the card. After making my first 1 minute call to check voicemail, I discovered my balance was now $7.19. My 1-minute call had cost $2.81! I called customer service to complain. The representative couldn't explain to me why I had been charged so much, and promised to credit my account for the call. The call was never credited. I decided not to use the card, since by this measure, I had about 3 minutes left. My wife used the card at the airport as we were leaving NZ and, as guessed, we had about 3 minutes left. So I paid $10 for four minutes of calls to the States, more than my cellphone roaming charges would have been on Verizon wireless (just $1.99 a minute!). What a rip-off.