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A telephone card, calling card or phone card for short, is a small plastic card, size and shape like a credit card, used to pay for telephone services. It is not necessary to have the physical card except with a stored-value system; knowledge of the access telephone number to dial and the PIN is sufficient. Standard cards which can be purchased and used without any sort of account facility give a fixed amount of credit and are discarded when used up; rechargeable cards can be topped up, or collect payment in arrears. The system for payment and the way in which the card is used to place a telephone call vary from card to card. Cards known as remote memory cards have a PIN associated with a specific land-line telephone account; calls using the card are billed to the associated account.