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Soon you will not be able to use your cell phone because you almost have no money left on your cell phone account.

How would a native English speaker quickly and naturally describe this situation?

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"I've almost run out of credit." – Mitch Dec 9 '11 at 15:30
up vote 4 down vote accepted

I would say:

I'm almost out of phone credit.

If the context was clear (i.e. you were holding your phone or speaking on the phone) you could even just say:

I'm almost out of credit.

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I am almost out of credit is what I would say. – kiamlaluno Jan 26 '11 at 12:27
@kiamlaluno you don't use contractions? ;-) – Jürgen A. Erhard Jan 26 '11 at 12:44
I have some difficulties to pronounce a contracted word. ;-) – kiamlaluno Jan 26 '11 at 12:48
Equally valid kiamlaluno. – user3444 Jan 26 '11 at 13:15

Many people say "minutes" to refer to cell phone credit (because cell phone plans often measure your available balance in minutes of talking time). In my experience it's common to say "I'm almost out of minutes" or "I have only 10 minutes left on my plan" or something similar. (This is from an American perspective, if it matters)

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I never run out of minutes, but I do run out of messages. Unlike those other answerers, I would never refer to these as credits. Also US perspective. – GEdgar Dec 9 '11 at 15:48

My credit balance is near finished

Or you could say what we usually do in India

I have expended my cellphone balance

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My mobile is almost out of credit

I'm not sure on the context for this question, but the above states the case. I regard the implications (that I will not be able make calls when out of credit) as implicit.

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I'd leave off the "account", it's still clear. And lots of people would leave off "phone" too I think ;-) – Jürgen A. Erhard Jan 26 '11 at 12:45
And similarly in the UK "My mobile (or 'phone') is almost out of credit". – Colin Fine Jan 26 '11 at 12:53
@Colin/Jae: I agree... I wasn't sure of context, so I was being rather conservative. – CJM Jan 26 '11 at 13:14

I would say

I need more credits.

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That doesn't make sense to me. – American Luke Nov 4 '12 at 20:47

I would say:

I am almost out of phone credit.

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