Almost every cell phone provider out there has two different types of plans. They generally offer prepaid and then another option that runs like a credit card account.
If you sign up for a plan that uses continuous billing, it will work more like a credit card account. The cell phone provider allows you to use the service each month and sends you a bill. As long as you pay your bill, you can keep using the service.
If your credit isn't great, that means that bills haven't been paid on time. This poses a risk to the provider, so they won't be super willing to offer you an account without covering some of their bases.
Most cell phone providers will want to see a credit score of at least 630 and if you dont have a score that high, they will want a deposit. Usually providers want a deposit somewhere between $125 and $400.
If you opt to put down a deposit, the cell phone company will allow you to get a plan. After a year or two of paying your bills on time, the cell phone company will usually return your deposit.
If you don't feel like putting down a large deposit, or if you don't have the money to, you could opt for the prepaid option. You have to buy the phone and the minutes beforehand, but you are then able to use the phone until your minutes run out.
Since the cell phone company doesnt really take on risk with the prepaid option, you can get easily get this option even if you have terrible credit. In fact, the cell phone company wont check your credit if you choose this option.
Almost every major cell phone provider out there provides both of these options. If you are unsure which option is the best for you, you may want to call the company of your choice and talk to them about your options.
If you sign up for a plan that uses continuous billing, it will work more like a credit card account. The cell phone provider allows you to use the service each month and sends you a bill. As long as you pay your bill, you can keep using the service.
If your credit isn't great, that means that bills haven't been paid on time. This poses a risk to the provider, so they won't be super willing to offer you an account without covering some of their bases.
Most cell phone providers will want to see a credit score of at least 630 and if you dont have a score that high, they will want a deposit. Usually providers want a deposit somewhere between $125 and $400.
If you opt to put down a deposit, the cell phone company will allow you to get a plan. After a year or two of paying your bills on time, the cell phone company will usually return your deposit.
If you don't feel like putting down a large deposit, or if you don't have the money to, you could opt for the prepaid option. You have to buy the phone and the minutes beforehand, but you are then able to use the phone until your minutes run out.
Since the cell phone company doesnt really take on risk with the prepaid option, you can get easily get this option even if you have terrible credit. In fact, the cell phone company wont check your credit if you choose this option.
Almost every major cell phone provider out there provides both of these options. If you are unsure which option is the best for you, you may want to call the company of your choice and talk to them about your options.
About the Author:
Candace helps people to learn about bad credit cell phones. You can find more of her advice about cell phones by visiting her site.
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