Free Mobile Phone Contract No Debit Card – if you have just come to live in the UK, you may be looking for ways to secure a mobile phone contract. There are multiple options available and you could either use an older phone or subscribe to pay-as-you-go (PAYG) plans.
Purchase of a mobile phone contract usually requires providing proof of identification such as a driver’s licence or passport, as well as going through a credit check to assess whether you will keep up with payments.
No credit check
If your credit score is poor or you do not have any credit history in the UK at all, obtaining a phone contract on your own can be dauntingly challenging. Your credit report details any wrongdoing you have done in the past – such as outstanding loans or paying bills late or not paying at all – making you look very risky to mobile operators when it comes time to acquire new phone contracts. But there are ways you can boost your score and improve your odds of securing one.
All UK mobile network providers require that their clients pass a credit check before being offered contracts, although certain smaller networks such as Giffgaff, Lyca Mobile, SMARTY Lebara Mobile and VOXI do not run credit checks and may provide more suitable alternatives to those with poor credit. It should be noted however that such networks only offer limited selections of handsets.
Use your old phone as this will help build your credit and increase your chance of landing that shiny new smartphone contract down the line. Or try borrowing one from family or friends or purchasing used if time is of the essence.
Many people are prevented from getting new phone contracts because their credit score or history does not meet certain requirements, or because of past financial troubles. There are ways to boost your score and increase the odds of receiving mobile phone contracts, including keeping applications low (reapplying multiple times will show up on your record), registering as an elector, and making full repayments on existing agreements.
UK mobile networks typically offer pay monthly contracts that include handsets and typically lock you into them for 12 or 24 months. These plans may include SIM-only or handset options and come equipped with data, minutes and calls allowances as well as additional benefits like freebies which could potentially increase monthly payments – be wary though as such freebies could often become part of your contract and may be charged through.
No monthly payments
There are various kinds of mobile phone contracts. Some include a handset while others simply provide minutes, texts and data packages. Contracts that include expensive smartphones can be expensive; to find more affordable deals consider buying it outright or using one you already have as they will likely add monthly payments to your credit file, helping increase or decrease it accordingly. Make sure your monthly payments go in on time; missing them could have dire repercussions for your score!
Those with poor credit may find it challenging to secure a UK mobile phone contract. Most mobile networks conduct a credit check before accepting your application as they will be lending you money to buy the handset you are applying for; if this test doesn’t pass successfully then no contract can be signed; to increase your chances of success you could pay a deposit or provide a guarantor instead.
Check out the National Databank, which offers free mobile data to those unable to afford it. It acts like a foodbank for mobile data by offering vouchers that can be exchanged for minutes, texts and data services.
Mobile networks that offer handset-inclusive contracts typically conduct credit checks to assess whether their customers can meet monthly payments on their loan of money for purchase of handset. They essentially lend you the money, so part of your monthly fees go back to them; these contracts may offer great value if you want the latest high-value smartphone but it is important to consider your commitment level before entering into one.
Be mindful that pay monthly contracts may have a detrimental effect on your credit record. Late or missed payments indicate irresponsibility with finances and may impede future attempts at getting credit elsewhere.
To secure a mobile phone contract, applicants will typically require proof of identity such as their full UK driving license or passport as well as utility bills or bank statements as proof. SIM only contracts don’t usually require credit checks but typically offer shorter contract lengths than contracts that include phones.