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When your minute or message use reaches 75 percent of your monthly allotment, you'll get a text message advising you of the news. If you keep talking or texting, you'll get a second message when you reach your maximum number of messages and texts. You then can decide to put down your phone, change your plan, or suffer the overage fees. The service is free, but you must sign up for it by contacting U.S. Cellular.