No contracts and no credit checks? Are prepaid cell phone plans a good deal or a case of "too good to be true?"
The catch? Customers pay in advance. But Shelby Skrhak, a mom and expert saver, said the plans offer pretty good deals.
"They're good for people who don't use their cell phones a lot," Skrhak said. "They're good for young people who are just starting out with their credit, and they're good for people who, like everybody, are looking to save some dollars."
But will it save you cash? Skrhak suggests people look over their cell phone bills from the last six months.
"The daytime minutes that you use -- if they're less than 200 minutes, that's a great option for you," she said.
Consumer advocates also say prepaid plans can be good for people who talk more than 600 minutes per month.
Questions to ask: What happens to expiring minutes? What's the cost of exceeding minutes? Do you pay by credit or debit card? And what are the roaming fees?
"In a Dallas-Fort Worth Metroplex, you're not going to have a problem," Skrhak said.
Just keep in mind that most prepaid plans don't work with smartphones such as iPhones and Blackberries. For that, you'll still have to go the paperwork route.