Looking for something else, I happened upon this website, and noticed that there were postings about Magic Jack. I purchased a MagicJack from their website several months ago, then a second last month. I previously had tried Skype, but was put off by the extra charges they asked for things that one normally expects to be a part of telephone service.
With my original Magic Jack unit I had to go to their chat customer service to ascertain the correct computer audio settings, taking a total of probably 10 minutes. Since that time there have been occasions (VERY FEW) when the sound quality was not acceptible, but redialing corrected the problem. As a matter of fact, I many times have asked the persons to whom I was talking about the quality - and they thought I was using a landline!
Just a note: the little Magic Jack box - and even the packaging - were of surprisingly good quality; I was quite impressed.
Now & if you would read, and assimilate, the minimal information provided, you would not have the "problems" described - and they DO tell you that you pick your phone number, from most any city in the US, which remains yours, but can be changed once for free (though a small charge for subsequent times, if desired).
One of the reasons for my purchase is that the unit can be used in ANY country as a LOCAL US phone number - for both incoming and outgoing calls.
I am unable to comment on the credit card complaints, as I had no problems whatsoever. Suffice to say, I have recommended Magic Jack to a number of friends and acquaintances.
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