A RF transaction device stores multiple distinct calling card accounts associated with a calling card account. The multiple calling card accounts may be issued by multiple calling card carriers. An RF operable reader is in communication with a telephonic call enabling device. The RF transaction device communicates with the reader to retrieve calling card account information. Since the RF device has multiple distinct credit card account numbers stored on the transaction device, the RF transaction device may be used to effectuate a calling card call on different call carrier systems using differently formatted call authorizing systems.