Buying Cell Phone Services

Now that cell phone numbers can be moved from one carrier to another, many cell phone users are shopping around for the best deals. What should you look out for in picking your next cell phone service provider?

Service Plans

You'll want to pick the service plan that best fits how often and where you'll use your cell phone. Service plans generally fall into three categories:

• "Bucket" plans for a specific number of minutes each month
• Unlimited plans with no limit on minutes each month
• Pay-as-you-go prepaid service plans, which benefit those who want a cell phone only for emergencies or limited use. Prepaid plans are usually more expensive per minute, but don't require credit approval.

Each provider can give you a coverage map of the "home service area" in which you can call free. You'll be charged an expensive "roaming fee" for charges made outside that area.

Features and Accessories

The phone you purchase is only to be used with the particular plan you sign up for, generally isn't returnable, and can't be used with other plans.

Digital cellular technology allows you to use more advanced features like voice messaging, caller ID and Internet access. Most cell phone users now prefer digital to analog, unless you're in a remote area where an analog network is the only type available. "PCS" (personal communication service) operates in a separate frequency band and allows for text messaging, but may not be available outside urban areas.

With many states now restricting cell phone usage while driving, a hands-free headset and voice-activated dialing are coveted features. A vibrating-instead-of-ringing feature avoids annoying those around you.

You may also want a phone and service that allows you to email and access information from the Internet via your phone.

Reading The Fine Print

It's especially important to read your cell phone contract - sometimes called a "Terms of Service Agreement" or "Terms and Conditions Of Service" - before signing. Ask questions about any terms you don't understand, and get all promises in writing.

In particular, you'll want to be sure you understand how much you'll pay for:

• The phone
• "Activation fees" for getting the service started
• Any required deposits
• Monthly fees, and what services are included in the monthly package (including how many minutes of "air time" you're allowed)
• Changing your rate plan during the contract period
• "Termination penalties" should you cancel your service before your contract expires. Termination fees can run as high as several hundred dollars.

In general, it's best to avoid contracts for more than one year.

It's important to shop around and compare features and charges carefully before settling on one plan. Many cell phone service providers offer signup incentives and promotional packages.

Most major carriers also now offer a trial period to try out their services without termination penalties. This can be especially important if you're not sure whether you'll get good coverage at your home, office or other places you'll often use your cell phone.

Be sure to keep a copy of your contract and any promotional or marketing materials that came with your phone, should you need to refer to them later.

If you have a problem with your cell phone service, it's best to act quickly. Keep good records of whom you talked to and when, and follow up until you're satisfied with your service. If you continue to have a problem with your service after trying to get your service provider's attention, contact the consumer protection division of your state Attorney General. You can also file a complaint by calling the Federal Trade Commission Consumer Response Center toll-free at 1-877-FTC-HELP (382-4357)or filling out the Federal Trade Commission Consumer Complaint Form online.

General Consumer Rights Message Board for more help