We’ve nearly always used the pre-paid approach - although not every other member of the family has, sometimes to their joy and sometimes to their distress. I’m yet to be convinced that there’s any better way, and I see that a site called Wirefly recommends the prepaid phonetoo, for good reasons. They encourage us on their site to buy as you go, which I assume is similar to the system available here: you pay some money down, and then use it up. (Usually it’s a minimum of twenty dollars, but every so often the company gets generous and gives you a free top-up.) the credit card approach to having a cellphone, where you are charged after the event, seems fraught with peril to me, particularly since cellphone companies here are forever encouraging you to text until your thumbs fall off. Personally I don’t always find the thumb the best digit to tackle the tiny keys on a cellphone with: my are too stubby, for some reason. And if cellphones get any smaller, not even my little finger will be of use!
I've just discovered there are such things as self-sterilising cellphones. There's one Korean phone that attacks pathogens and promotes deodorisation by using a single nanometer-thick coating of silver particles. Hmmm, have you noticed your cellphone smelling?