I AM writing in response to the letter of your reader Olive Chawla, published in these columns on December 27.
While she finds the phonecards issued by Hongkong Telecom useful, she is dissatisfied that once she has used up $98 on a $100 card her overseas call is automatically cut off. Since she does not normally use pay phones to make local calls, she suggests that the $2 should be refundable.