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A debit card in the form of a telephone calling card is formed as a rectangular configured, planar card member that is wallet sized and has front and rear surfaces. The rear surface includes instructions for telephone dialing. A scratch-off label strip has been adhered to the rear surface. The scrat

A debit card in the form of a telephone calling card is formed as a rectangular configured, planar card member that is wallet sized and has front and rear surfaces. The rear surface includes instructions for telephone dialing. A scratch-off label strip has been adhered to the rear surface. The scratch-off label strip has opposing sides and one side has a self-adhesive positioned thereon that removably adheres to scratch-off label onto the planar card member. The other side has a PIN code field containing a printed PIN (personal identification number) thereon. A control code field is positioned adjacent the PIN code field and has a control code printed thereon. A scratch-off layer covers only the PIN code field to obscure from view the PIN while leaving unobscured the control code field.

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1. A telephone calling card comprising:a substantially rectangular configured and wallet sized planar card member having front and rear surfaces, and top, bottom and side edges; a scratch-off label strip having opposing sides, one side permanently adhered onto the rear surface of the planar card mem

1. A telephone calling card comprising:a substantially rectangular configured and wallet sized planar card member having front and rear surfaces, and top, bottom and side edges; a scratch-off label strip having opposing sides, one side permanently adhered onto the rear surface of the planar card member, and extending a major portion along the rear surface from side edges, the other side having a PIN code field containing a printed PIN (personal identification number) thereon, and a scratch-off layer that covers the PIN code field to obscure from viewing the PIN code.