Most cell phone companies have come out with two different types of billing. The first is prepaid, and the other is continuous billing. With prepaid plans, you buy your minutes beforehand and you can use them until they run out.
If you sign up for a plan that uses continuous billing, it will work more like a credit card account. The cell phone provider allows you to use the service each month and sends you a bill. As long as you pay your bill, you can keep using the service.
When your credit is poor, the cell phone provider isn’t going to want to allow you to get a regular plan. This type of account poses a significant amount of risk for them.
To qualify for a credit-type account, you will probably need to have a credit score of at least 630. Some of the providers will want to see a score that’s even higher. If you don’t have the credit, they will probably ask you for a significant deposit.
After you give the cell phone company a deposit, they will allow you to get a regular credit-type plan. While this type of account will have some restrictions, you will be able to use your phone normally.
For those of you that dont want to put down a deposit, you can opt to sign up for the prepaid option. With this option, you normally have to buy the phone up front and then you usually buy cards to refill the phones minutes.
With the prepaid option, the cell phone company doesn’t have to take any risk. For that reason, your credit history isn’t considered so you can get a phone even if you have bad credit.
Almost every major cell phone provider out there provides both of these options. If you are unsure which option is the best for you, you may want to call the company of your choice and talk to them about your options.
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