View Full Version : I'm about to buy my very first Cell Phone and I found out they do a credit check?


TVFactFan
06-17-2006, 08:18 AM
Is that really true?

anyway I'm open to any suggestions or advice about having a cell phone.

KissMyGrits
06-17-2006, 09:34 AM
Yes, it is true. They do a credit check and depending on your credit that is how much of a deposit you would have to put down.

They do have phones where you can prepay for the minutes. They are more expensive per minute, but have most of the features that a regular phone has....

TVFactFan
06-17-2006, 09:44 AM
Yes, it is true. They do a credit check and depending on your credit that is how much of a deposit you would have to put down.

They do have phones where you can prepay for the minutes. They are more expensive per minute, but have most of the features that a regular phone has....


So since I have an American Express Card with $0 Balance, I should be ok right?

Kazza
06-17-2006, 10:35 AM
Not really.Because it shows that you have no credit history if you haven't used it yet.

TVFactFan
06-17-2006, 10:42 AM
Not really.Because it shows that you have no credit history if you haven't used it yet.


I got it in April and used it twice and paid the full balance on May 2nd and June 2nd

Kazza
06-17-2006, 12:53 PM
I see. If you pay full balances 'too quickly' that can strike against you. Can't make the whole world happy huh?

TVFactFan
06-17-2006, 01:33 PM
I see. If you pay full balances 'too quickly' that can strike against you. Can't make the whole world happy huh?


So paying a balance in full that's due on the 8th on the 2nd is a Strike against me?

Mr. Stefani
06-17-2006, 02:11 PM
I see. If you pay full balances 'too quickly' that can strike against you. Can't make the whole world happy huh?

how is that? I'm 19 and have 4 credit cards(my name, not moms)..checked my credit raiting and i'm in good standing with all of them, all paid on time..

Kazza
06-17-2006, 02:45 PM
how is that? I'm 19 and have 4 credit cards(my name, not moms)..checked my credit raiting and i'm in good standing with all of them, all paid on time..


Is not that it messes your credit report or anything but creditors like to see that you are able to pay in the time frame given( i.e. 6 months) to give you credibility and credit with others.

TVFactFan
06-17-2006, 02:52 PM
Is not that it messes your credit report or anything but creditors like to see that you are able to pay in the time frame given( i.e. 6 months) to give you credibility and credit with others.


Well I guess I'm doing right thing by paying 6 days before the due date-lol

Brieannas21
06-17-2006, 03:25 PM
If your not approved, then you can get a prepaid phone, the down side to that is, you have to buy your phone first. You can get a cheap phone for about 30 bucks but it won't have any good features. Or pay a big down payment and get trapped into a 2 yr contract.

Like Kazza said just because you have a credit card and you're paying it off on time, doesn't mean that you will get approved. You have to have established some kinda of credit history. In about six months of having your card and paying the bill, you shouldn't have any probs with getting approved with your credit.

TVFactFan
06-17-2006, 03:28 PM
If your not approved, then you can get a prepaid phone, the down side to that is, you have to buy your phone first. You can get a cheap phone for about 30 bucks but it won't have any good features. Or pay a big down payment and get trapped into a 2 yr contract.

Like Kazza said just because you have a credit card and you're paying it off on time, doesn't mean that you will get approved. You have to have established some kinda of credit history. In about six months of having your card and paying the bill, you shouldn't have any probs with getting approved with your credit.


Well If I'm not approved I will just do without-lol Are you in Philly?

James"Thunder"Early
06-17-2006, 03:30 PM
I say just get a prepaid one, that way you can just buy time with no obligations. It's much easier.

Brieannas21
06-17-2006, 03:31 PM
Well If I'm not approved I will just do without-lol Are you in Philly?


Yeah got in at 11 this morning

TVFactFan
06-17-2006, 03:51 PM
Yeah got in at 11 this morning


Maybe we can hook up for dinner, u said u like seafood right?-lol

snl 70s show fan
06-17-2006, 04:39 PM
im with everybody here who says forget the cell phone and get a pre paid phone instead its much less of a hassle im going to be getting one soon myself

Brieannas21
06-17-2006, 04:44 PM
Maybe we can hook up for dinner, u said u like seafood right?-lol


Yes I like seafood, but not fried :lol:

TVFactFan
06-17-2006, 04:49 PM
Yes I like seafood, but not fried :lol:



Seafood is at it's best when it's fried

Brieannas21
06-17-2006, 04:59 PM
Seafood is at it's best when it's fried

But I prefer mine steamed, baked, pan fried or broiled. :liplick:

TVFactFan
06-17-2006, 05:10 PM
But I prefer mine steamed, baked, pan fried or broiled. :liplick:


Ok Well it's your call, you are in my part of town and It's up to me to choose the right spot, talk to me-lol

vienna waits
06-17-2006, 10:32 PM
Is not that it messes your credit report or anything but creditors like to see that you are able to pay in the time frame given( i.e. 6 months) to give you credibility and credit with others.
that's stupid. that means paying much more in the end due to interest.

vienna waits
06-17-2006, 10:34 PM
i was approved and i don't even have a credit card. i don't know if direct deposit maybe or having a debit card or what but it said my credit was good enough to do it without my parents names.

Brieannas21
06-17-2006, 10:46 PM
Ok Well it's your call, you are in my part of town and It's up to me to choose the right spot, talk to me-lol


That sounds like a date to me.

Nighthawk76
06-18-2006, 02:38 AM
Stay away from cell phones. They cause cancer. ;)

TVFactFan
06-18-2006, 11:05 AM
That sounds like a date to me.


Is Philly Better than Dallas?

TVJunkie101
06-18-2006, 12:47 PM
I had a tracfone for about a year, until last year. I was using it all the time and decided I wanted a better phone with features, etc. and so I went to Cingular and got a phone. Of course, I had to put down a deposit cause *at that point* I had no credit cards (just debit .. but now I have 3, lol) ... and I got into a 2 yr contract. Now I hardly use it and pay about 50 bucks a month. I'm supposed to be getting my deposit back, actually, since I paid each bill on time and in full each month for a year. It's late and I gotta bug Cingular again. And basically with my deposit back, I have a year of my phone paid off... and then I'm going to cancel my plan, and go to pre-paid. You can still get a VERY nice phone with all the same features with pre-paid. It's better and I can't believe I didn't go with that again with Cingular. I was a dummy and too impulsive....

Kazza
06-18-2006, 02:52 PM
All my cell phones have been prepaid. The only thing is that Tracfone's signal sucks, with Cingular's I an even talk inside the store.

Brieannas21
06-18-2006, 04:03 PM
Is Philly Better than Dallas?


Of course not lol, You know I can't put down my hometown. Also I haven't seen much, only the park across the street from my hotel and a little cafe down the street. I have a function to go to tomorrow, I'll be able to see more without getting lost, so ask me tomorrow LOL

TVFactFan
06-18-2006, 04:05 PM
Of course not lol, You know I can't put down my hometown. Also I haven't seen much, only the park across the street from my hotel and a little cafe down the street. I have a function to go to tomorrow, I'll be able to see more without getting lost, so ask me tomorrow LOL


Well what does being from Dallas have to do with Honesty?-lol I'm from Philly and If I went to Chicago I'm sure I would like it better than Philadelphia

Brieannas21
06-18-2006, 04:13 PM
Well what does being from Dallas have to do with Honesty?-lol I'm from Philly and If I went to Chicago I'm sure I would like it better than Philadelphia


Huh? You asked if it it was better than Dallas :lol: I told you I haven't seen much. I had a meeting yesterday afternoon, then I took a nap. When I woke up it was 9pm.

Woke up this morning went running in the park across the street, came back to my room showered and went to this cafe down the street, So that's what I've done so far. I might go out tonight though, depends.

Georgia's on my Mind
06-18-2006, 06:25 PM
I'm intrigued.

vashti1999
07-15-2006, 07:43 PM
This started as a cell phone thread and ended up as a date between Solomon and Brienna.

Solomon, did you get your cell phone yet? Verizon has an online deal this weekend for a free phone, free activation, free shipping if you sign up for a two-year deal. I hadn't had a cell either but decided to go with this deal.

TVFactFan
07-15-2006, 08:24 PM
This started as a cell phone thread and ended up as a date between Solomon and Brienna.

Solomon, did you get your cell phone yet? Verizon has an online deal this weekend for a free phone, free activation, free shipping if you sign up for a two-year deal. I hadn't had a cell either but decided to go with this deal.



Probably won't be until August

Brieannas21
07-15-2006, 08:34 PM
This started as a cell phone thread and ended up as a date between Solomon and Brienna.

Solomon, did you get your cell phone yet? Verizon has an online deal this weekend for a free phone, free activation, free shipping if you sign up for a two-year deal. I hadn't had a cell either but decided to go with this deal.


:lol: No dates happening

vashti1999
07-15-2006, 08:37 PM
:lol: No dates happening

For a second there it seemed like you two were about to set something off...

TVFactFan
07-15-2006, 08:39 PM
:lol: No dates happening


Yeah I stood outside STARBUCKS forever waiting for you-lol

Brieannas21
07-15-2006, 08:44 PM
For a second there it seemed like you two were about to set something off...

He couldn't handle me LOL

Brieannas21
07-15-2006, 08:45 PM
Yeah I stood outside STARBUCKS forever waiting for you-lol


Really????that was you, Sorry I don't know how you look so I don't approach strangers on the street :lol:

TVFactFan
07-15-2006, 08:53 PM
Really????that was you, Sorry I don't know how you look so I don't approach strangers on the street :lol:



Yup standing in front of Starbucks with Flowers and a season 1 Sanford and Son DVD-lol

Brieannas21
07-15-2006, 08:58 PM
Yup standing in front of Starbucks with Flowers and a season 1 Sanford and Son DVD-lol

:lol: Yeah OK