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Bad credit mobile phones: Tips for getting a contract with bad credit

Securing a good phone especially if you have an abyss of a financial situation can be very hard. This is because most providers see you as a risk rather than a customer. You will understand this pain if you have had to bite the bullet of rejection because of bad credit. However, it doesn’t matter how many times you’ve been rejected. You can still get an instant contract if you play your cards well. And if you do not know where to start, worry not. Here are some few tips that will help improve your chances of approval with ease.

Do extensive research

You need to know your facts well if you are to secure a good deal despite having a poor credit score. After all, you do not want to get into a deal that will be more of a burden than a relief. Therefore, ensure you do extensive research and compare as many sites as possible. By doing this, you will be able to choose from a wide array of deals thus pick the one that perfectly suits your needs. Among the things you should look out for are the company’s representatives attitude and responsiveness to your queries. Remember, you need a partner that can understand and empathise with your situation. Do not forget to check out good testimonials and reviews by customers about the companies. For instance, you can visit InstantMobile for a wide variety of honest reviews and compare various contract phones for bad credit to find one that fits you.

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Opt for SIM only contracts and low-end handsets

It will act in your favour if you go for low-end phones as they are relatively cheaper and are considered less risky by most providers. However, if you must get that shiny iPhone you’ve desired, you should then opt for SIM only contract and purchase an upfront gadget from another retailer. This greatly reduces risks for the provider, and your application is likely to be accepted. Additionally, you will still enjoy the benefits of a post-paid subscriber and won’t have to change your number if you want to get another handset.

Arrange a direct debit

One wise trick to getting your application approved regardless of your credit score is to earn the trust and confidence of your provider. And signing up for a direct debit is just the way to do it. This refers to an arrangement with the bank where they will directly and automatically debit funds into the network provider’s account as per your agreement. Doing this will show the provider that you are able to meet payments and above all are willing to respect the contract.

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Ask for help

Increase your chances of approval by asking for the help of a guarantor. If you have a close friend or colleague with good credit, ask them to co-sign your application. This way, you are assured of approval as the provider will have someone to go after if you default your payments. However, this can risk your relationship, therefore, ensure the guarantor is willing and well aware of the terms and conditions of the contract before signing.

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Understanding mobile financing payment plans

With new devices costing tons of money, is it smart to finance your own smartphone purchase? Buying that new shiny iPhone can prove to be very difficult. However, you need not worry as you can still get yourself a wonderful phone without straining your finances. All you have to do is to sign up for a mobile plan as an alternative to paying outright for a phone. There are many paying plans that carriers offer, most of which are simple with a small deposit at the start. But, some providers have more complicated instalment options. That’s why this article is meant to give you an easy to understand overview so that you can be able to choose a plan that works best for you.

$0 dollars down instalments plan

This plan is simple and most common among most carriers. If you sign up for this plan, you will not be required to pay any small deposit upfront only if you have good credit score. Otherwise, if your credit score is not pleasant, you will have to pay a small deposit which varies from carrier to carrier. In either case, you will follow up with small but equal monthly instalments over the next 24 months. It is important to note that this plan is a standard payment and might be a requirement for other payment plans. For instance, you might be required to pay a down payment before signing in for an early upgrade plan. Ensure you compare as many carriers as possible so you can get the best deal there is.

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Early upgrades

If you plan to upgrade your phone, then you should choose the early upgrade payment option. Remember, every carrier operates differently and their rates and terms of payments might vary. Therefore, ensure you consult with your provider before signing the contract. However, most early upgrades plans are simple and will allow you to pay monthly instalments and even upgrade your device before your current contract is up. But the phone must be in perfect condition before you’re allowed to upgrade. You’ll also not technically own the next handset until all payments are cleared.

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With early upgrade plans, if you choose to pay off your phone early, you will also have to clear all the remaining balance in one instalment. However, you need not worry, as you can simply talk with your provider and come up with a plan that works for you on the basis of loyalty. After all, your provider is there to serve you. You can also choose to keep your old phone, clear the payments over the remaining months and the phone will be yours for keeps.

 

Lease plans

Just like other payment plans, mobile lease financing plans vary from one provider to another. It is up to you to choose one that will perfectly suit your needs. Most carriers will provide a lease service only on selected high-end smartphones. Therefore, do not forget to consult your provider on whether the handset you want to lease is in that list. Lease plans are cheaper compared to zero instalments and early upgrade plans, perhaps that’s what makes them a favourite of many. However, you should know that you will not own your phone at the end of your lease agreement. Rather you will be required to return the phone if you wish to terminate the contract or renew the contract in order to keep using the phone.

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Best gifts that your new college son/daughter will appreciate

Choosing a gift for your child who just joined college should not be such an uphill task, whether it’s for a birthday, Christmas or any special occasion. All you need to do is to ensure it is relevant and ranks high in the cool factor. Whatever you make a pick, make it thoughtful and something they can’t really buy for themselves. However, this is easier said than done, and if you are not careful, you could face the cold slap of rejection from those teenage college tantrums. So, to help you out, here are some cool gifts that you can use to make the life of your college son/daughter memorable and above all, a gift they will definitely appreciate

Get them a smartphone

It will not matter whether it’s an iPhone or a Samsung galaxy as long as it can keep them web connected. These days, phones have become a little bit of everything to us and even more to your college boy/girl. First, that iPhone S6 will be their condensed computer and greatest companion. However, you might be wondering how in the world you will afford such a high-end phone. Well, here’s a simple solution that won’t let your break the bank. Simply sign up for a phone contract, which allows you to get the phone for free and pay for it later in monthly instalments.

Portable power supply

I bet every college student wants to keep enjoying using their gadget at all times, be it a laptop or a kindle, without worrying about running out of power. Keep the power supply small, one they can easily fit in their pocket or bag as they go on their daily routine.

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Book on college experience

Getting your child who is about to join college a book on what they are about to experience will do more than prepare them for it. They will forever appreciate that simple gesture you make to give them a sneak peek into their future world. However, ensure the book is interesting and captivating; reviews can help you with this. Alternatively, if your child would want to evade the hustle of turning papers, get them an eBook. After all, an eBook has no weight, and they can read it anywhere they want.

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Emergency kit

Your child’s life is going to be full of fun and adventures. This is not to say that they will not be careful out in the field because they will be. However, the last thing they will think about is a first aid cream. That’s why you need to buy them an emergency kit. Ensure the kit is of average size, so that he/she can comfortably carry it. Include painkiller, tweezers, and a copy of their medical card. Have them carry the original with them everywhere they go and keep the photocopy in the kit.