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They don't have "stores" that I know of, but rather online/phone only, which I imagine keeps their prices down. Their customer service is GREAT...not once have I had a bad experience. They use the sprint network, but have access to other towers, but don't charge for roaming. So, if I in an area that had better AT&T coverage, my phone switches to roaming onto that tower and I get better reception (but doesn't cost me a penny). My husband had been wanting me to switch over for probably a year and I fought it (Never heard of them, etc). Boy, do I regret waiting so long! I had Cingular/AT&T before, which I was happy with, but I really like Credo!
I believe that most of the lower cost cell providers work this way. I would think that Carolina, being on the Eastern Seaboard, has extremely good coverage by many networks, so she could easily take her choice of carriers. Also, if she happened to find that Sprint (for example) had the most cell towers in her area, she could pick any of the other carriers that USE the Sprint network. She wouldn't necessarily have to go with Sprint, to get the same advantages.