What You Need to Know About Bad Credit Phone Contracts


If you’re hoping to avail a phone contract and you have a bad credit score or a history of ccjs or defaults, chances are high that your application may be rejected. Because of your less than perfect credit rating, you are considered a high-risk subscriber and no carrier really wants to deal with high risk.

As a way to bridge the gap, there are now providers online offering bad credit mobile phone contracts. These are phone deals that do not require any credit check. This means no more worrying about your bad credit getting in the way. But before you go ahead and sign any deal, make sure to keep the following key factors in mind:

Limited handset choices

With bad credit mobile phone contracts, the handset choices are usually very limited. If you have set your hearts on the latest iPhone or Samsung Galaxy handset, might as well forget it now. When you opt for this type of contract plan, prepare yourself to choose from a limited selection of handsets which may include older phone models.

Higher monthly fees

Another downside is the probable higher monthly fees. Because providers are taking high risks for offering no credit check phone contracts, they usually balance things out by upping the monthly fees. You’ll have to deal with this until you can improve your credit score.

But while relatively more costly than traditional phone contracts for people with good credit, bad credit phone deals are not without its advantages. If you go for a bad credit phone contract, you can enjoy the following advantages:

Fast processing

One of the best things about bad credit phone contracts is the fast processing. As a lure for potential customers, more and more providers are now promising same day approval. Provided that you are eligible and you meet the basic requirements, you can expect to get approved in as fast as within a day or less.

Accessible Online

Bad credit phone contracts are also easily accessible online. There’s no need to leave the comforts of home to pick a handset and a phone bundle to fit your needs. Just go online and look for a reliable provider then fill out the online application. You should get confirmation in a matter of minutes. And as long as you meet the requirements, approval should be a breeze.

No Credit Check

Topping the list of advantages is the fact there is no credit check involved for people with bad credit. No matter how poor your credit score may be, there’s really no need to worry about because your provider will only look at your financial situation and your ability to handle the monthly fees.

Should You Apply for One?

If you believe that a phone contract is what you need to meet your phone service needs and major carriers in the UK have rejected your application, then bad credit phone contracts are viable options. If want to know more about these options, the information is available here. Just remember that these types of deals have their own set of advantages and disadvantages. As long as the former outweigh the latter than getting one makes sense.

Understanding Your Phone Tariff


So you’ve chosen your handset and you can’t wait to get your hands on it. But wait, before your jump right in and sign the deal, there is one other factor to consider. Equally just as important as your handset choice is your mobile phone tariff. If you don’t want to overspend on your pay monthly phone contract, you’d better take your time to not only find the right deal but also understand how phone tariff works in the first place.

What is a phone tariff?

At its simplest, a phone tariff should cover the cost of your phone services. In the UK, phone tariffs are generally made up of three elements including your minutes, texts and data usage.

Inclusive minutes obviously let you make calls at a certain rate per minute. You’ll have a set allowance per month as part of your phone tariff and for every minute you go beyond is a additional cost added to your phone bill.

The same principle works with inclusive texts. Fortunately for heavy texters, there are now phone tariffs offering unlimited texts. If you think that limited texts wouldn’t suffice then going for unlimited plans makes a better investment.

Finally, you have data, which is what allows you to check emails, make video calls and access the Internet using your mobile phone. Data plans vary from tariff to tariff. Find out what kind of data user you are then look for a phone tariff that will meet your needs to a tee if possible.

Which tariff is best for you?

When it comes to phone tariffs, there is no one best option for everyone. Like with your handset choice, it’s all a matter of what you want and need. In any case, the trick is to find a phone tariff that is in sync with your call, text and data needs to avoid overspending on your phone bill.

Best Smartphones for Your Phone Contract Deals


One of the major decisions you need to make when applying for a phone contract is your choice of handset. With so many new handsets released each year, it has become harder to pick one. To help you weather through your choices, here’s a list of the best smartphones this year:

iPhone 6

With the release of iPhone 6 is the fact that Apple only gets better each year and the latest iPhone certainly did not disappoint. Boasting better features and a beautiful design, iPhone 6 may be one of the best smartphones you’ll get your hands on this year. It is larger in size with better battery, keyboard and overall user experience.

Samsung Galaxy S5

Giving iPhone 6 a run for their money is Samsung’s Galaxy S5. In fact, the smartphone has outranked iPhone 6 in some top comparison and review websites. For those who have loved Android-based phones, the new Samsung Galaxy is a work of art. It looks gorgeous but more important it boasts an impressive camera, very sharp screen and excellent media. It’s too bad though that the battery life isn’t all that impressive.

HTC One M9

Last year’s HTC One M8 was a huge hit and banking on said success is the HTC One M9. It is one of the top favorite smartphones this year thanks to its premium design and topnotch quality. It also has a great camera. On the flip side, the phone is still pretty expensive and has weak battery. But all in all, it makes a good option if you’re for a less expensive phone contract plan.


With a sleek and stylish rugged look, the new LG G4 is worth a second look. The smartphone is the brand’s latest flagship offering and features an excellent screen and some specs that are sure to win over Android Users. You can opt for either a plastic or leather back.

Guide to Finding the Best Mobile Phone Contract


In a time when mobile phones are no longer luxuries but necessities, mobile phone contracts are very popular especially in the UK. Phone contracts, in fact, are a top choice for majority of subscribers who are looking to snag the latest handset while enjoying cheaper rates on their phone services. There’s just one hitch. Finding the best phone deal for your needs is rarely a walk in the park. With so many phone deals available in the market, how do you find one perfectly suited and tailored to your needs? Here’s how:

Start with your needs

Ask yourself this; do you really need the phone contact? While majority of people may be hooked to a phone contact, it doesn’t necessarily mean you have to dive right in. Sure, phone contacts come with a number of advantages. Even so, if a contract won’t meet your needs then ditch the plan. It’s best to check other alternatives that may save you money in the long run.

Do your homework

When looking for a mobile phone contract, the first instinct is to look for the cheapest deal. After all, who doesn’t want the cheapest monthly fee? But while tempting, it’s rarely wise to go for the cheapest deal available. There are other factors to consider that can affect your phone contract’s cost. Examples include rates for excess call, texts and data usage and hidden fees for late or missed payments. Make sure to check these things out before signing any dotted line.

Use comparison sites

One of the easiest ways to find a reliable provider is to use top comparison sites catering to UK subscribers. These websites do all the hard work for you. They scout the market for the best deals and compile a list you can further investigate. If you’re strap for time and you really want to close a deal as soon as possible, this is a great way to do it.

Choose your handset wisely

One of the chief advantages why consumers opt for a phone contract deal is the handset. Opting for the latest handset, however, is not always a smart move. If you go for the latest iPhone, for example, expect for your monthly fee to be pretty steep. The phone, after all, is expensive and its cost does affect how much you will pay for fees per month.

Don’t forget your phone bundle

Don’t stop with choosing the right handset. If you want the best phone deal, you’ll also need to make sure that you’re getting the right phone bundle. That means finding the right balance between your call, text and data needs. Look for a plan that offer allowances that closely meet your phone service needs. Add extra attention to your data usage. If you’re especially a heavy data user then make sure your plan got you covered to avoid paying a hefty amount on excess data usage.

Read the fine print

Like most consumers, you probably don’t take time to read the fine print anymore. It’s time to put a stop to such habit. In order to ensure that your phone deal is the best option for your particular needs, you’ll need to read the fine print. In here you’ll find more information on hidden fees, extra charges and many more. Yes, reading the fine print may be a hassle but the effort will actually pay off if you are as knowledgeable as you can get about the deal you’re hooking yourself into.

How to Haggling for a Better Phone Deal Like a Pro


Ever heard the saying, “ask and you will receive?” Well, that’s exactly what you need to do if you want the best mobile phone deal. Whether you’re looking for a new phone contract or you’re hoping to avail a significant discount off your monthly fees, there are things you can do to ensure you’re always getting the best end of the deal.

Haggling, unfortunately, is not a natural skill for many. But don’t worry, you don’t have to be an expert to get it right. All you really need to do is call customer service and keep these tips in mind for a successful haggle.

Know what you want

Before calling customer service, it’s imperative to know and understand what you want to get out of the call. Do you want additional data or do you want a significant chunk cut off from your bill? Either way, the trick to a good haggling is to your carrier know that you are ready to say goodbye and look for a cheaper deal elsewhere unless, of course, they offer you one.

Be friendly and polite

Just because you’re the customer doesn’t mean you have to epitomize the mantra that you’re always right. Rather than project an aggressive or know-it-all tone, you need to lay it low by being friendly and polite instead. Like with anything else in life, politeness comes a long way. Your customer service representative is likely to entertain you pleasantly when you’re pleasant from the get go.

Be prepared to buy

You are likely to get a significant cut in your phone bill if you let the representative know that you’re ready to buy right there and then if needed. In general, discounts are offered when you buy a service that you need in the first place in exchange for savings that can add up to a significant amount over time.

Be flexible

It’s not all the time that you’ll get what you want. Before a customer service representative can agree with what you want, there are other factors to consider. It wouldn’t hurt to consider the next best option in case you don’t get the £10 discount you wanted off your monthly phone bill. You could probably try for additional allowances for your data or inclusive minutes. Either way is still a good deal all in all.

Use scripts if needed

If this is your first time trying out your haggling skills, you might want to use scripts. Since you’re talking on the phone, the other person won’t really see if you have any notes on hand. Just make sure that when you do use haggling scripts, you sound confident and sure of what you’re talking about. Practicing your lines before making will surely help a lot.

Be open to walk away

While the aforementioned haggling etiquette usually work like a charm, there are instances when the offer may not be good enough. If this is the case then it may be better to walk away. Again, flexibility is very important here. You need to keep an open mind without losing on the goal. Remember that at the end of the day, what you want is a better deal on your phone contract. If you feel like you’re being shortchanged after all the haggling, walking away is the next best step. Other carriers may, after all, have better and cheaper deals that await you.

7 Ways to Save on Your Phone Bill

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Did you know that majority of mobile phone contract subscribers in the UK are spending more than they should on their phone services? According to a recent survey, subscribers are overspending on their phone bill in the tune of billions of sterling pounds. Don’t add to the staggering amount by keeping in mind the following tips and tricks to save on your bill below:

Get the right contract plan

Whether you’re in the process of applying for your first mobile phone contract, upgrading to a new plan or switching to another deal, one of the most important things you need to do is make sure you got the right contract plan. You can do so by taking the time to assess your needs. A rough estimate of your call, text and data needs is a good start. Your job is to look for a plan that will perfectly or closely meet those needs.

Making sure that your contract plan is the right one for your needs is one of the surest ways to save money on your phone bill. Get it right from the start and you’ve got the bases covered.

Choose the right handset

In most cases than not, many subscribers are hung up on their handset choice. Of course, there’s nothing wrong with wanting the latest handsets available in the market. Just remember that your phone contract is more than the handset. Equally just as important is your phone bundle, which covers your calls, texts and data services.

When choosing your mobile phone contract, a sensible balance between your handset and phone bundle choices is the goal if you want to save money on your phone bill.

Switch plans if necessary

For current phone contract subscribers who think that they’re paying too much on their phone services, switching plans may be the best way out. Check your bill and compare it with your usage. If your plan is not meeting your needs then either you have to upgrade or downgrade your plan.

Haggle for a better deal

You might also want to put your haggling skills to the test. Call customer service if you want a better deal. Research suggests that majority of subscribers who speak with customers to haggle for more minutes or texts or some free data usually get what they want. In fact, some people ere even able to haggle for a significant slash off their monthly bill. And the best thing, all you need to do is get in touch with your carrier.

Check out other carriers

Just because you’ve been with your carrier for years doesn’t mean you’re obliged to stay. When you’re no longer satisfied and you’ve noticed that your bills are not quite as it seem anymore then it might be best to check out other carriers. You’ll never know that there may be better deals out there unless you check.

Use Money Saving Apps

Another hack you can try to save on your phone bill is to use free apps such as Skype or FaceTime to make free calls. There are also apps that let you send texts messages for free. These apps come handy especially if you’ve already hit your service allowances.

Trim down data usage

One of the biggest expenses for phone contract subscribers is data usage. If you’re really serious with saving money on your phone bill, it’s time to trim this service down a bit. If you’re out a lot and there are free WIFI network connections, take advantage by turning off your data and use the free connection instead.