In a world where the digital lifestyle rules, mobile phones are as important as a limb. The majority of people can’t literally live without their phones. They can’t leave the house without it. They’re always on their phones texting, browsing or playing no matter the place or time of day. That’s how necessary mobile phones have become in our everyday life.
Unfortunately, not all people can afford to buy a new phone especially the latest handsets. In this case, you can apply for a phone contract to subsidize your phone’s cost. Approval, however, is not always guaranteed. If you have a poor credit score, your chances are slim to none. This is when considering a bad credit mobile phone may be your best bet.
What is a bad credit phone?
A bad credit phone is exactly what its name says. It is a phone deal for people with bad credit. This means approval is often guaranteed no matter your credit score. And the best part, you get to avail a new handset without paying for it upfront just like with any traditional phone contract deal. On the downside, phone choices may not be as vast or diverse as those available if you had good credit score. In most cases, you’ll be limited to choose from a range of cheaper handsets because of your less than stellar credit score.
Why apply for a bad credit mobile phone?
Bad credit phones may not be advantageous in all respects but it does offer a convenient alternative if you’ve been rejected for a phone contract deal because of bad credit. If you’re still not sure whether a bad credit phone is a suitable option or not, here are some reasons why it makes sense to apply for this type of deal:
- No credit checks – One of the chief advantages of a bad credit phone deal is the fact that applicants no longer have to worry about credit checks. Your credit score won’t affect your chances of approval at all. This means a hassle-free application for mobile phone users with bad credit scores.
- Minimal requirements – The requirements are pretty basic too. To apply for a bad credit phone, you just need to be of legal age, a UK resident and an employee with a steady monthly income. If providers can see that you are financially capable of handling the monthly payments, expect to get approved for your application fast.
- Fast approval – Since there’s no more credit checks and the requirements are minimal, approval is faster for bad credit phones. In fact, most providers of bad credit phone deals promise same day approval. If you apply today, you can get approved within the same day. It’s how convenient these deals are.
- Improve bad credit score – When approved for a bad credit phone, you also have a chance to boost your credit rating. Making sure that you’re paying your monthly dues on time every month, is a great way to improve your credit score. If credit agencies see that you’re paying your phone contract responsibly, it’s only a matter of time for you to see great improvements on your bad credit score.
Is a bad credit phone for you?
At this point, you’ll just need to ask whether a bad credit phone is for you or not. To answer the question, you just need to go back to your needs and budget. If you know you’re going to get the best end of the deal with a bad credit phone then it makes all sense to apply for a bad credit phone deal as soon as you can.