Did you know that bad credit score could affect your contract phone application? If you have a poor credit rating and you’re applying for a contract phone deal, you’ll quickly find out that it’s not easy to get approved. In fact, you may get a rejection or two before you realize that you may be better off opting for a no credit check mobile phone for the meantime.
In case you’re thinking of exactly applying for a no credit check phone, this quick smart guide will help you make the right decision.
What are no credit check mobile phones?
No credit check phones are widely popular in the UK today. These are phone deals that cater to mobile users who are having a hard time getting approved for a traditional contract phone. With this type of deal, no credit checks are run on applicants, hence faster approval. And it works just like any contract phone deal. You’ll get a combo of handset of your pick and a bundle plan, which includes your call, text and data allocation each month. For more info on this type of deals, go to this useful site for tips, guides, insider tricks and more.
Who can apply for this deal?
If you meet the basic requirements such as being of legal age and a UK resident, you can apply for a no credit check phone. Even if your credit rating includes history of defaults or past CCJs, there’s nothing to worry about. No credit check phones are deals that exist to cater to customers like you. Just meet the basic requirements and provide proof of income to get approved for a deal in no time usually in 24 hours or less.
How much does the deal cost?
Like with traditional contract phone deals, the cost of your no credit check phone will vary from offer to offer. In general, the cost will be affected by two major factors, which are pick of handset and your bundle plan. If you pick a high-end handset, for example, it follows that your monthly fee may be expensive than if you stick with a mid-range handset option.
Why choose no credit check phones?
There are a few advantages you can enjoy when you apply for a no credit check phone. As mentioned above, one of the key advantages is the fact that you don’t have to worry about credit checks. If you meet the requirements, your application is often good as approved. Another advantage is the fast processing. Most providers offering this type of deal guarantee same day approval. Granted that you’re eligible and your requirements are ready, you can get approved in hours or utmost up to 24 hours.
No credit check phones also let you own a handset without buying it upfront. Even if it’s just a budget or mid-range handset, you’ll get the unit for free as part of the incentive of a contract phone deal.
Is it for you?
While there are excellent advantages that go with no credit check phones, this type of deal is not always suitable for everyone. When you’re applying for this type of deal, make sure it’s exactly what you need and you can afford. Otherwise, you may end up paying more than necessary on your monthly bill. On one hand, if you’re sure that a no credit check phone can save you a lot of money in the long run then you should go for it. Just remember to always pay your monthly fees on time to avoid penalties or extra charges.