Abstract: A virtual telephone charge card is a portable software application that a caller may invoke to place a charge card telephone call using the caller's computing equipment. Methods of creation of the card comprise utilizing access digits and authorization codes appropriate for the type of charge card access and for the charge card carrier to be used. Invocation of the charge card application by a caller results in the creation of a dialing sequence of digits and pauses which when dialed place a charge card call connecting the caller to the terminating number of the call. Some embodiments create a virtual charge card for dialing only one pre-designated or user specified terminating number for all calls placed with the card, while other embodiments allow the caller to specify the terminating number for a particular call placed with the card.