Tag: bad credit

In a world where having a good credit score means everything, having bad credit can be a nightmare of sorts. Financial lenders and mobile phone providers are always willing to approve loans as well as mobile phone deals to individuals with a good credit rating but give a wide berth to those with a poor credit rating. The result has been persistent frustration and embarrassment of those with a less than average credit score whenever they seek to get approved for an urgent loan or a mobile phone contract. Before bad credit mobile phones became a reality, getting approved for a phone contract was akin to walking on air. It was virtually impossible. UK citizens with a poor credit score faced rejections and every now and then that they somehow felt like second class citizens.

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Credit checks were a sore in the eyes and those with a less than average credit score crossed their fingers hoping for the best every time they applied for a phone contract. Fortunately, the harrowing experience is now a thing of the past. The unveiling of bad credit mobile phones was well received and continues to increase in popularity especially among those with a poor credit rating as well as those with no prior credit history. Bad credit mobile phones refers to a special type of phone contract suitable for individuals with bad credit.

The outstanding aspect about bad credit mobile phones is that you do not have to worry about credit checks or wonder on end if you will be approved or not. As you will learn from this page, bad credit mobile phones are fairly easy to apply for, don’t discriminate you based on your credit rating, give you access to the type of handset you desire for and also ensure that approval is done within 24 hours. In essence, you get to enjoy the perks that come with a mobile phone contract without having to worry about your credit score.

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To qualify for bad credit mobile phones, you need to be residing in the UK, a UK citizen, be in employment and above the age of 18 years. Your credit score should not concern you as bad credit mobile phones are essentially designed for UK individuals with a poor credit rating. This type of contract is also the right one especially when you are seeking for a way to gradually improve your credit score. Meeting your monthly obligations without fail will positively affect your credit score over time. However, defaults could further worsen your credit score and that is why it’s essential that you meet your obligations as agreed. If you have bad credit and have faced rejections many times than you care to count, it is about time you thought of applying for bad credit mobile phones!

 

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Granted, the British love their mobile phones. If they didn’t, the frustration that comes with being denied a mobile phone contract would be nonexistent. With over 90% of UK households owning a mobile phone, the fact of the matter is that mobile phones have morphed from being used primarily for communication to other aspects such as entertainment, for business, for information source, for seeking directions, for interacting on social media and so on and so forth. Amid all these positive attributes of a mobile phone, the teething challenge has been on how to get a good mobile phone deal under a contract. I mean, while individuals can choose to go for SIM free deals, SIM only deals or Pay As You Go (PAYG) deals, the reality of the matter is that majority of UK citizens prefer mobile phone contract deals because of the allure of a new handsets as well as predetermined set of minutes, texts and data bundles in a month not to mention other freebies.

The goal when going for a mobile phone deal has always been reduction of costs as much as possible. I mean, no one wants to pay obscene amounts of money in a month that literally leaves no room for personal improvement. No one wants to be cash strapped or to find themselves in a situation where they live from hand to mouth or simply can’t afford the simple luxuries of life because the monthly obligation for a mobile phone contract is weighing them down. For this reason, the clamor to get a mobile phone deal on budget has never been higher. We are going to shed light on how one can improve their chances of getting a mobile deal on budget.

Take your time and do comparisons

Do not be in a rush to get approved for a mobile phone contract as to give the aspect of affordability a wide berth. We understand that you probably have faced numerous rejections in the past that you would be more than willing to sign a contract with the mobile phone provider that accepts your application. However, this is not the best way to handle the situation. Take your time to compare a number of providers and you will be surprised to find out that there are better deals out there.

Haggle

Don’t be the kind of person that accepts what you have been given without trying to negotiate for a better deal for yourself. The deal you are offered is not cast in stone and therefore you do not need to accept it as it is. Try and haggle for a better deal for yourself. Do research and put facts on the table as to why your prospective mobile phone provider should give you a better deal. Bring up examples of other providers, dangle the loyalty card if you must but ensure that you negotiate for a better mobile phone deal.

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Read the fine print

A mobile phone deal might seem good or lucrative but hidden charges could actually make it the most expensive deal ever. Do not be excited about what you see on paper or how lucrative the deal might seem to be. Take your time to read the terms and conditions guiding the mobile phone contract before you append your signature on the dotted line. You will be surprised to find that there are hidden charges which would ultimately make your deal more expensive than what you’ve been meant to believe.

Upfront deposit

This might seem difficult but trust you me providers are much more willing to approve and give you a better mobile phone deal if you take measures to reduce risk on their side. The deal is even better when you have bad credit. If you want to avoid the exorbitant interest rates attached to bad credit mobile phones and get a mobile phone deal on budget, consider paying a small amount of money as deposit upfront.

 

 

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