Hello-
My experience is quite similar. I recently travelled to go and visit a friend. I didn't have my cell phone yet, so I used a payphone. I punched in my calling card, and heard the message that I didn't have enough credit in order to actually make a call. So I put in my credit card. There was no message about any charges whatsoever, no confirmation, just simply "put in your expiry date" and then "Enter the number to call"
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