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AT&T Calling Cards: When one minute doesn't equal a minute

My AT&T long-distance calling card ran out of minutes, so I decided to try to renew it.  I checked the website and saw these terms: Minute value applies to state-to-state calling only. A surcharge not to exceed 10 minutes applies to U.S. pay phone calls, a portion of which compensates pay phone providers. One minute billing increments; partial minutes used are billed as full minutes. Rates may be higher for…