Category Archives: No credit check mobile phone deals

Important information prior to applying for no credit check mobile phone deals

Gone are the days when mobile phones were considered a luxurious item. Nowadays, the world revolves around mobile phones as people depend on mobile phones for virtually everything. A mobile phone is nowadays used as a watch, a map, an alarm clock, to shop and make payments, to seek for directions just to mention but a few. In light of this, applying for a mobile phone contract in the UK has become the norm if the numbers are anything to go by. However, having a poor credit rating is a major problem especially if you are seeking to apply for standard mobile phone contracts. All providers in the UK offering standard mobile phone contracts must carry out credit checks before you are approved for a phone contract. It is for this exact same reason that no credit check mobile phones have become quite popular in the UK and beyond.

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Prior to applying for no credit check mobile phone deals, it is highly recommended that you exercise due diligence. With so many providers in the market, finding the right deal might prove daunting especially if you don’t know what to look out for or how to go about the whole process. Talk to a friend who has in the past applied for mobile phone deals no credit check or simply scour the internet for all the information you need on no credit check mobile phones.

There are so many review or comparison sites that contain valuable information on the best no credit check mobile phones provider within your vicinity. In fact, the good thing about them is that they review every aspect of a provider hence putting you in a better position to make an informed decision. However, comparison sites shouldn’t be your last resort. It is important that you read trusted reviews from past customers especially of a particular provider you’ve narrowed down to. You don’t want to apply for a phone contract with a provider with a history of poor customer service.

How do past customers rate the no credit check mobile phone provider you wish to apply for a phone contract with? Do they give glowing tribute to the provider or do they have negative things to say? What are the caliber of services that the provider in question offers? Once you have a clear idea of this, you can always make an informed decision. However, the search need not end there. The next step is to of course visit the provider in question personally and get firsthand experience of how they treat their customers as well as a clarification of things you don’t understand.

This is also the perfect opportunity to read the fine print and find out if there are any hidden charges as well as bargain for a better package. However, before you embark on the process of haggling, ensure that you are well informed on what plans competitors offer as well as explain to your provider why they should give you a better offer. You can always dangle the loyalty carrot and hope that the no credit mobile phone provider in question bites it. Once you reach an agreement, the last thing on the table is to of course sign the contract and start enjoying the benefits of your no credit check mobile phone deal.

Comparison between no credit check mobile phone deals and traditional mobile phone contracts

If you have no prior credit history or have a poor credit score, chances are that you’ve considered applying for mobile phone deals no credit check. The reason why no credit check mobile phones have become very popular as compared to conventional mobile phone contracts is because they do not attract any kind of credit checks and as such the acceptance rates are very high. While this is laudable in every aspect, there are a number of outstanding things or aspects that distinguish no credit mobile phones from traditional mobile phone contracts. How do no credit check mobile phones compare to traditional mobile phone contracts?

Credit checks

If you have in the past applied for a conventional mobile phone contract, you will agree with me that credit checks are mandatory. In fact, this is one of the major reasons why those with a poor credit score found the going tough every time they sought to be approved for a phone contract. No credit check mobile phones on the other hand do not attract any credit checks or rather ones credit score doesn’t play a major role in the approval or rejection of a contract.

Upfront payments

Provided that you have a healthy credit history, making an upfront payment is not mandatory when applying for standard mobile phone contracts. Your good credit score is all that is needed for you to get a deal of your choosing based on the plans on offer. The same cannot be said of no credit check mobile phones. Since providers deem you as a risk, chances are that you might be required to make a hefty deposit prior to being approved for a phone contract especially if you are seeking to apply for a high end phone.

Cost

The higher the risk, the higher the cost of your phone contract. Individuals applying for no credit check mobile phones tend to pay high monthly installments as compared to those on standard mobile phone contracts. In fact, the interest rates are abnormally high because those under no credit check mobile phones are deemed to be high risk. The same cannot be said of those under standard mobile phone contracts. The monthly repayments are relatively cheaper as compared to no credit check mobile phones.

Contract lock in period

The truth of the matter is that those on no credit check mobile phones contracts have no say on the minimum period for which they might want to be locked in a contract. In any case, the provider sets the minimum period for which a person must be locked in a contract which is mostly 18 months and above. Standard mobile phone contracts for individuals with a good credit history attract a minimum contract lock in period of 6 months which is a far cry to the 18 months which a person with a poor credit rating must be locked in when applying for a phone contract.

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Upgrade

Individuals with a healthy credit history can upgrade their phone contracts any time they so wish. This is not the case with no credit check mobile phones where a person has to have their accounts reviewed before they can upgrade to a better package or phone.