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No Credit Card Needed For Pay as You Go Cell Phones. Are pay as you go cell phones really the way to go? No contracts. No monthly obligations. Ifyou don't have a credit card or if you are a teenager who wants a cell phone, but your parents don't want to pay for your cell phone, then pay as you go cell phones can be the answer to your problem. For some, pay as you go cell phones are the best option. There are no contracts to sign, no monthly fees, and you can take care of buying more minutes by way of a phone card at your local department store. The only problem with this avenue is you'll have to buy a phone versus getting a free one that is usually offered with a monthly plan. Also, the minutes are more expensive and there usually won't be free weekends offered and other perks like that. With most pay as you go cell phones, you will have a certain amount of time to use minutes which will be deducted as you use them. If you don't use all the minutes in the specified time frame, then it's possible they will accumulate as long as you pay a small fee to keep your phone active. Once you run out of minutes, you'll have to buy another card to add more. The key here is to read the fine print on the instructions to the phone and understand what your options are. Pay as you go cell phones gives you the luxury of not being tied into a company for an allotted amount of time.
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