Goldens Phones

Questions you need to ask prior to applying for a phone contract

Understandably, a lot of people shy away from asking questions especially when they have bad credit and desperately want to be approved for a phone contract. This need not be the case especially when you are applying for a contract specifically modelled for people with bad credit. It is important to have all the material facts before signing the contract. Cases of people feeling cheated or exploited a few months after signing the contract are rampant and therefore if you want to be on the safe side, you need to play safe. What are some of the questions you need to ask prior to signing a bad credit mobile phone contract?

What is the total cost of the phone contract?

It is important that you work within your budget and you need to take this into consideration when applying for a bad credit mobile phone. Don’t go for a bad credit mobile phone contract that will essentially make it difficult for you to meet your bills. Plan how much you intend to part with monthly for repayments and go for a deal that reflects the same. If the total cost of the loan provided by your provider is on the higher side, consider negotiating for a better deal or simply look elsewhere.

Are there penalties for early repayments?

Believe it or not, there are providers that penalise you for repaying your contract obligation early. This is a question you need to ask before anything. If the provider you have approached penalises you for repaying your bad credit mobile phone contract early, you should consider looking for an alternative one that does not charge you for the same.

Is there an option for an upgrade?

No doubt, the mobile phone industry is growing at a rapid rate. There is always a new phone being released with awesome specifications that you wouldn’t want to miss. If you are locked into a contract for 18 months and there is no option for an upgrade, this might complicate matters for you especially if you are the kind of person who despises being left behind with technology. Ask whether there is an option for an upgrade and make a proper decision.

What happens should I encounter financial difficulties?

Granted, nothing is cast in stone. There good and bad days and you might experience financial challenges that might make you default or rather unable to meet your obligations as earlier agreed. When this happens, you need to have the assurance that your provider can work something out and help you through the process. As such, asking such a question better prepares you on what might happen should you face financial constraints in the future.

In a nutshell, there are indeed many questions that you can ask but the aforementioned are the most important. Never apply for a bad credit mobile phone blindly. Always make sure you are well informed and that you do your research properly before signing on the dotted line.