By Kavita
Going through life, labeled as the bad guy/gal (at least from a credit perspective) is not an easy thing. If there is anything more difficult than that, then it is living your life with a bad credit. Bad credit can present hurdles and obstacles to a whole lot of things, and after a while you begin to notice that your choices become very limited and often you cannot purchase what you really want to.
One such example is a cell phone. It is no longer considered as a luxury in most parts of the world, but your bad credit could be the number one reason that may be keeping you away from this necessity of modern life. You still have a chance to get a cell phone with bad credit, though, provided you try one of the following tips:
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Compare and contrast
Not all cell phone companies are equal. Some of them may have more stringent rules regarding credit history, while there are others that are willing to bend the rules a little. A good way to find out is to check our cell phone offers and see which of these have a lower credit criterion and then apply accordingly.
Go prepaid
Prepaid cell phones are a real boon for people who are struggling to get a cell phone with bad credit. Prepaid phones are quite simple and make it very easy for you to manage your monthly phone bill costs as well. So, you do not run the risk of overshooting your budget and financial resources and then having to resort to credit to fund the bill payment.
Prepaid cell phones allow you to decide a certain amount such as $20 or $50 and you get a recharge for this amount at pre-determined periods of time. You are free to use your prepaid cell phone as long as your recharge balance is within the prepaid amount. As soon as you use up all your prepaid credit, you will have to either stop using your cell phone any further (until your next recharge) or top it up again with an amount that is both affordable and convenient to you.
Pay a deposit to compensate for your bad credit
This is another option for you if you are desperate to get a cell phone with bad credit. If you want to stick to a contract because your cell phone usage is very high, but your bad credit does not allow you to do so, you have an option of paying a certain amount of money as a deposit to leverage the bad credit. Usually phone costs are quite subsidized when you opt for a cell phone contract, in comparison to prepaid phones, which are more expensive.
Many people with bad credit are of the opinion that putting down a deposit to circumvent this situation is mostly doable and acceptable, rather than having to pay more for prepaid cell phones and still be restricted when it comes to cell phone usage.
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