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.


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.


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.