Mobile Phone Buying Guide Without Credit Card

AsGetting a loan is tough if you have no credit rating and buying a contract phone is no different. Whether you have a bad credit history or no credit history, getting a contract phone in such a situation is not easy. For new people, credit agencies or credit bureaus have no details because these people never used credit, so giving a credit score to them is not possible. 

Many do not have a credit card and they never used credit earlier. In such a scenario getting a credit card for them becomes challenging. But, what if you have no credit card and you need a contract phone? Is it possible or not? Let’s check below.

Why credit check?

To get a mobile phone contract or SIM only deal in the UK you need to undergo a credit check. The credit checks are performed to judge the creditworthiness of the customers whether they will be able to make the bill payments on time or not. The most stringent credit checks are done on 24th-month contracts where a person is offered a new Smartphone. If it is a SIM-only deal then credit checks are not very stringent.

What are the credit check requirements?

Because of the credit check requirements, many are not offered a mobile phone contract. The requirement is you have to be at least 18 years of age and need to have a UK credit history to get a contract mobile phone approval. Apart from that, the mobile phone networks have their own internal credit criteria and as per their rules and regulations, your application for a mobile phone contract is judged. The credit check process and policy of each UK mobile network is different.

Credits check process:

In the credit check process, your identity will be verified and your financial history will be determined. Then the mobile phone network will make a decision about whether you should be offered a contract phone or not. For a pay monthly contract you need to be:

• Over 18 years of age
• Have some form of UK credit history or a financial history
• On the electoral roll for the address verification
• Have a good credit score. A precise minimum score is not defined but as per your mobile network, the handset you choose and the cost of your price plan.

What if I do not pass the above requirements?

If you do not pass the above requirements then you need to get mobile phones with bad credit. You can get a mobile phone without a credit check as well. There are no credit check deals that will work for you and these are cheaper and flexible. You don’t have to pass the hassle of a credit check either.

Process for getting a mobile phone on contract for those who have a bad credit rating:

If you do not have a good credit history then you need to go for mobile phones on contract bad credit. Not all UK mobile networks want you to undergo a credit check. Pay monthly contracts to have the toughest contract checks so you need to get in touch with providers who offer phones with bad credit. They have a range of suppliers and they help customers get a contract phone even if their credit rating is not good.

Some suppliers may ask you to make an upfront payment. The upfront payment will depend on the type of handset you are choosing. If you choose an expensive handset then the upfront deposit will be more as compared to the cheaper handsets. The rest of the payments are adjusted in the monthly bills.

What if I can’t pay the upfront security amount or deposit?

There are many providers out there who help you buy contract phones online without asking for any upfront payment. You may have to go for some mediocre Smartphone, but you can get some deals. You have to send applications to providers who are ready to give mobiles for bad credit and do not ask for an upfront deposit as well. As these are highly subsidized, you might not get the latest smartphones. 

If you don’t have a good credit history then here are some tips that can help you:

• See that you are on the electoral roll. Sign up for that and then apply for a contract using the same address as the provider will verify your address.
• Choose a cheap mobile phone. If you choose an expensive phone, the chances of refusal will be high. Avoid premium devices like the iPhone, else you need to pay a security deposit.
• Have a proper bank account because this is vital to pay the monthly bills.
• Do not reapply if you are refused for a contract phone once. This will show on your credit rating.

If you do not have a credit card then these are few things to understand when applying for a contract phone with bad credit.

Just take care of a few things and check out the best deals online for getting a contract phone. It will help you get a Smartphone.

Simply make payments on time and this will also help you improve your credit score rating.