My parents, siblings, myself and my hubby all use Tracfone and are VERY happy with the service. If you are only an occasional cell phone user, I really think it's the way to go. They have no contracts, no credit checks, and it's pay as you go. You determine how much you want to spend. We've used them for over two years and are very happy with the service. You do purchase your own phone, but they are very affordable. The phones vary in price, depending on what features you want. They have camera phones (hubby has one), text friendly phones, and just regular 'ol cell phones. We pay about $30 dollars every three months for around 250 "units". Each minute you talk uses a unit, and there are various unit charges depending on what you do with your phone (text, send pictures, connect to the internet, etc). My Dad and brothers have purchased refurbished phones from Tracfone (only available on their website) and haven't had any issues with them. My hubby and I just went down to Wal-Mart to buy our phones. I want to say mine cost $20 and his cost $30 or $35 (he got the camera phone). You can find out more info at www.tracfone.com