I'm about to buy my very first Cell Phone and I found out they do a credit check? - Sitcoms Online Message Boards

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

Quote:

Originally Posted by BushWasRight

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

Quote:

Originally Posted by Kazza

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

Quote:

Originally Posted by Kazza

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

Quote:

Originally Posted by Kazza

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

Quote:

Originally Posted by Mr. Stefani

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

Quote:

Originally Posted by Kazza

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

Quote:

Originally Posted by Brieannas21

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

Quote:

Originally Posted by TVResearcher

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

Quote:

Originally Posted by Brieannas21

Yeah got in at 11 this morning

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

06-17-2006, 08:18 AM	#1
TVFactFan Member Forum Junkie Join Date: Aug 17, 2002 Posts: 99,102	I'm about to buy my very first Cell Phone and I found out they do a credit check? Is that really true? anyway I'm open to any suggestions or advice about having a cell phone.

06-17-2006, 09:34 AM	#2
KissMyGrits HEGM! Senior Member Join Date: Jul 01, 2004 Location: Las Vegas Baby! Posts: 2,135	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....
	__________________ check out my blog.... some ficcies, some about me and a whole lotta fun!! http://catniprules.livejournal.com/

06-17-2006, 03:30 PM	#13
James"Thunder"Early Whoever's In New England Forum Veteran Join Date: Feb 23, 2004 Location: The Apollo Posts: 7,088	I say just get a prepaid one, that way you can just buy time with no obligations. It's much easier.
	__________________ Esther Anderson: Get thee behind me, Satan, but I'm gon' get behind you, 'cause I'm gonna put my foot in your--- Peggy Mitchell: Get outta my pub! You better pray you get the last laugh, it's a kick in the teeth when you don't get it.

06-17-2006, 10:35 AM	#4
Kazza Member Forum 3000 Club Member Join Date: Oct 17, 2003 Posts: 3,244	Not really.Because it shows that you have no credit history if you haven't used it yet.

06-17-2006, 12:53 PM	#6
Kazza Member Forum 3000 Club Member Join Date: Oct 17, 2003 Posts: 3,244	I see. If you pay full balances 'too quickly' that can strike against you. Can't make the whole world happy huh?

06-17-2006, 03:25 PM	#11
Brieannas21 Member Forum Fanatic Join Date: Apr 05, 2004 Location: Texas Posts: 9,792	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.