Ok..that sounds a bit easier than worrying about credits...but if I want to call home from SXM I just do airplane mode/wifi calling and my own S7 phone. No 3rd party involved and I also receive calls from home as long as I'm connected to wifi. USed it multiple times in January.

This is for USA to me (anywhere) or me to USA (from anywhere)...calling international #'s is a different issue.