Should You Apply for Bad Credit Mobile Contracts?

When you have a poor credit score, it’s not only your loan applications that will be affected. Even your mobile phone contract application may suffer a rejection because you are now tagged a high-risk customer. Thankfully there are alternatives to typical phone contract deals. Specific for people with bad credit are bad credit mobile contracts, which work like any phone contract. The plan also includes a handset, which is in most cases for free, on top of a bundle plan that covers your allowances for call, text and data services.


While these phone contracts are easily to access and even get approved for, there are just a couple of downsides to keep in mind if you’re applying anytime soon. When you apply for this type of deal, your provider won’t check whether you have a poor credit history due to CCJ or default. Your credit score won’t affect your application’s approval, which means extremely high approval rates for bad credit phone plans. But your poor credit score will affect your handset options. Because you have a poor credit rating, your handset selection may be limited than if you have a good credit score. Read more here.

Another downside to consider is the monthly cost of your phone contract. Again, your credit score becomes an important factor in this instance. You’ll get approved for a phone contract even with your less than perfect credit score but your monthly bill may be more expensive than usual. In the end, you’ll be paying more in total because of your bad credit history.


Despite the downsides, however, bad credit phone deals offer a number of advantages worth considering. Granted that you know that getting a phone contract is the perfect choice for your situation, you have the potential to earn huge savings on your phone bill provided that your bundle plan is well suited for your monthly usage. Another advantage is the free handset. Though the handset choices may not include the latest high-end smartphones, the fact that you get a handset as part of the deal is still an attractive offer for most mobile users. Finally, you also get to use a bad credit phone contract to boost your credit rating. Just pay your monthly bill on time for the duration of the contract and you’re bound to see some improvements on you credit score eventually.


So to answer your dilemma whether you should apply for a bad credit phone contract or not, it’s really up to your situation, your budget and your preference.

Best Budget 4G Mobile Phones to Consider

Are you looking for a cheap phone where you don’t have to compromise on its connectivity capability and other key features? You came to the right place. We have here a list of the best budget phones you’ll find in the UK market today. These budget phones are all under £200. They’re not only cheap but all of them boast 4G connectivity too. You just need to pick the best one perfect for your needs and budget.

Vodafone Smart Prime 6

For only £79, you get the Smart Prime 6 from Vodafone, a pretty impressive and rare offer for consumers on a budget. While the phone’s processor may not be as impressive as other more expensive phones, it will do if you’re only looking for a decent option with 4G connectivity. Other key features you might like is the bigger screen and good camera.

EE Harrier Mini

Relatively more expensive than the first option is the EE Harrier Mini at £99. Also with 4G connectivity and a set excellent features, the phone is definitely a good value for your money. Though the screen is not something to rave about and the performance is slower at times, the phone is a suitable choice if you’re on a tight budget.

Motorola Moto E 4G

At £109, the Motorola Moto E 4G is a budget upgrade from its predecessor, the original Moto E. Though it’s more expensive by about £20, the phone offers good value for your money thanks to its 4G connectivity feature. Then there’s also the set of upgrades on a bundle of key phone features you’ll surely appreciate considering the phone’s budget price.


Samsung Galaxy Core Prime

Another budget offering at £109, the Samsung Galaxy Core Prime is an excellent starter phone for budget-conscious customers. Though it doesn’t have all the bells and whistles a high-end Samsung phone has, it is a decent option with its 4G connectivity, 5-inch screen with good 1280×720 resolution and a great camera.

EE Kestrel

Though the phone is not as attractive at first glance, the EE Kestrel has a lot to offer if you look beyond its dull design. Aside from 4G connectivity, the phone has a set of decent hardware feature that makes it a worth buy at £99. The phone sports a good screen for instance. And performance-wise, the phone can keep up with he competition too.

Microsoft Lumia 640

The Microsoft Lumia 640 is more expensive than the rest of the options on this list at £129.99 but it’s a worthy buy considering its set of impressive features. The phone features good screen, excellent camera and overall faster performance than its competition. There’s just one hitch. The phone runs on Windows Phone and may offer less in terms of apps as opposed to a budget Android phone option.

Moto G 4G

If you’re looking for the best cheap mobile phone to buy, look no further than the Moto G 4G. Sure it’s more expensive than the rest at £135 but the return on your money is more than worth it. The phone features a set of excellent features from the screen resolution to the processor, camera and it also runs on Android Kitkat too.

OnePlus X

If you’re willing to spend as much as £199 on your budget phone then we have here another option you might want to consider. The OnePlus X may be expensive for most budget-conscious customers but it’s still a good value for money considering its many excellent features. Aside from 4G connectivity, the phone has excellent camera, battery life and fast overall performance.





How to Shop for the Best Mobile Phone Contract


No matter the discouragements from pundits and fellow mobile users, phone contracts continue to be the most popular phone deal choice among majority of consumers in the UK. You can’t really blame them considering the irresistible lure of free handset and a host of other incentives including free gifts, free minutes and other promotions. If you’re thinking of getting a phone contract, there are some tips you might find useful:

1. Ask yourself if a phone contract is the right choice

While most people opt for a phone contract, you don’t have to follow suit especially if a phone contract is not what you need in the first place. Make sure you ask the basic question most people skip over. Do you really need a contract or PAYG deal might be best? To answer the question, you’ll have to go back to your monthly usage and go from there.


2. Don’t choose the first cheapest deal you find

When shopping for a phone contract, most people might be tempted with the cheapest offers available in the market. It can be tempting but remember that the cheapest deals are not always the best deals. You’ll have to go back to your monthly usage and look for a deal that meets your needs. It may not be the cheapest deal but you’re sure to save money in the long run with the right deal.

3. Choose your phone bundle carefully

Your plan’s phone bundle offer is inclusive of your allowances for your calls, text and data. In order to save on your phone bill, it is imperative to ensure that your phone bundle is perfectly in tune with your monthly usage. When choosing your phone bundle, extra attention is also needed on the data allowance. If you don’t want your monthly bill to spike up, pick a bundle plan with a generous data allowance if you plan to use your mobile data frequently.

4. Don’t go overboard with your handset choice

Just because you’re eligible for a phone contract plan doesn’t mean you should go for the most expensive or high-end handset available. Though phone contracts advertise their plans with a free handset, you should understand that the handset’s cost will still affect your monthly bill. If you want a more manageable monthly bill, be reasonable with your handset choice. Settling for what you can afford is always the best bet in this case.

5. Know your contract length

Before you sign a contract, make sure you also take into account your contract’s length. Most typical phone contracts last for 24 months. But there are deals that may last longer like 36 months. Other deals have shorter contract length at 12 months. In any case, your contract length can affect your monthly bill. The longer the contract length, the cheaper your bill may be. But the hitch, you’ll be tied to your carrier for a long time and that’s not always a wise route in the long run.

6. Read the fine print

You’re probably already excited to close the deal and get your free handset. But before you go ahead and sign the contract, don’t forget to do this vital tip first. Read the fine print for more details about your contract especially when it comes to hidden fees. You don’t want your phone bill to get complicated with hidden fees later on. It’s best to investigate factors such as hidden fees from the get go so you don’t have to worry about it along the way. Reading the fine print is really just being a responsible consumer at the end of the day.



Best Upcoming Mobile Phones to Buy this 2016

If you’re a Samsung Galaxy S6 user then you’re probably on cloud nine after seeing and hearing about the recently launched Samsung Galaxy S7 and S7 Edge. Though there isn’tmuch difference when it comes to the look, you just know the mobile phone is loaded complete with all the bells and whistles a powerful, high-end phone should have.

Samsung’s latest flagship phones however are not the only new releases to look forward to this year. If you’re looking to buy the best upcoming mobile phone this 2016, here are some options that are coming our way before the year-ends:

Samsung Galaxy S7 & Galaxy S7 Edge

Let’s start off the list with Samsung Galaxy S7 and S7 Edge. For this year’s offering, Samsung listened to the customers and brought back the MicroSD slot and waterproofing features. In addition, both phones also boast a set of enhancements including the Quad-HD SuperAMOLED screen and longer lasting batteries.

Apple iPhone 7 & iPhone 7 Plus

Come September 2016, Apple will be unveiling a brand new flagship phone, which is believed to be the iPhone 7 and iPhone 7 Plus. Key features of the upcoming Apple phones are yet to be confirmed but rumors are already circulating online and in the mobile phone industry. It is believed that the next iPhones will sport bigger changes including a D-jack headphone jack, thinner profile, eSIM and waterproofing feature.

HTC One M10

With HTC releasing last year’s HTC One A9, it’s safe to expect that we may be seeing the HTC One M10 hit the market very soon. With HTC lagging behind from its competition especially in terms of screen resolution, HTC customers are expecting to see key improvements for the HTC One M10. General improvements on performance are also sure to bump up the phone’s standing in the market.


On 21 February, LG announced that the company would be releasing the follow-up to the LG G4 this 2016. Unlike other upcoming releases for this year, LG delved into creating its first modular-design mobile phone. Not only will the phone sport a sleek aluminum unibody but it will easily transform into a digital camera or Hi-Fi player. Other key specs to look forward include the phone’s powerful Snapdragon 820 processor, removable 2800mAh battery and 4GB RAM.

New Google Nexus 6 2016

In case you don’t want an iPhone or an Android phone, there’s always Google’s upcoming New Google Nexus 6 2016. Most of the information we have about the phone is mostly rumors as of now but what we do know is that Huawei will make it. According to what we’ve heard, the phone will feature a more powerful and efficient processor, the Snapdragon 820 chip.

OnePlus 3

It was a good 2015 for OnePlus considering the success and positive reception of both its phones, the OnePlus 2 and OnePlus X. Expectations are high for what the brand has to offer this year and rumors has already circulated that we can expect to see the OnePlus 3 to hit the market before the year ends. Among the key features we can expect include the Snapdragon 820 chip and 1080p full-HD screen.

Nextbit Robin

If you’re looking for something not as expensive as the new iPhone or Galaxy phones, you can look into the Nextbit Robin smartphone offer. While the brand is new to the market and the first few releases weren’t really impressive, the brand may have gotten something right this time with its cloud-first smartphone. Considering that it’s also cheaper that most of the phones on list, the Nextbit Robin is really worth looking at.