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Discussion in 'iPhone' started by DBZmusicboy01, Oct 3, 2013.
Like it isn't a 2 year one
But I thought you had to sign a promise ?
It definitely does if you want to buy a phone with 24 months of payments. Not sure if they need one if you BYOD.
A prepaid account does not require a credit check, a postpaid one does.
The one that cost $100 down
The new plan that it's favored by many people
The 24 monthly payments of $22 for the phone
If you don't want service
If you want to finance a phone for 24 months then a credit check is required.
They also now have a Postpaid BYOD plan that doesn't require a credit check. You'll need to bring your own phone or buy one full price from T-Mobile.
The point of their financing the phone is to get people to use their service, they're not going to just finance it for you and let you go use it on someone else's network.
If you decide to leave, you'll need to pay off the phone.
I don't think require a credit check. I'm also with T-Mobile and pay month-to-month. Since your paying upfront on a month-to-month basis, you're in good standing. If your financing a phone, then you would require one.
Yes it does
It's a hard pull and drop my score 5pts
They will tell you it's iust a soft pull
Came in to say this. I actually had to pay a deposit of $50 per line for 6 lines.
Only if you're financing a phone right?
They run a credit check on everyone opening a new postpaid account, even if you're not financing a phone. I had one pulled on me even though I bought my 5s unlocked direct from Apple for full price. They told me I could have up to 5 lines without putting down a deposit, but that it varies based on individual credit worthiness.
The no contract plans are still considered post-paid accounts, which still require a credit check. Even if you buy the phone outright, a credit check is going to be run to get service UNLESS you specifically get a pre-paid plan.
Nope if you're not going the prepaid route a credit check will be ran. I regret it now because the service is definitely not up to par here in the Chicagoland area.
As of August they have a "No Credit Check" Postpaid plan for those who don't want their credit ran. You have to have your own phone and also have to pay deposits:
$50 - first line
$30 - second line
$10 - third line
$10 - fourth line
Four line maximum.
Interesting. They didn't even offer that option to me last week, but I'd still rather have my credit pulled than pay down a deposit, so no biggie.
That's pretty stupid to do a credit check if youre not financing anything isn't it? Is there a service difference between prepaid/postpaid, like roaming?
AFAIK, virtually everybody pulls credit if you're signing up for a postpaid plan. I know AT&T did too when I first signed up years ago with them.
Prepaid terms & conditions:
Prepaid doesn't get data roaming, and don't get as much voice roaming coverage either. They also get bumped down on the priority list when towers are congested. Other than that they are pretty much the same service-wise.
The reason they do the credit check even if you don't finance a phone is because signing up for a plan still makes you eligible to finance one if you choose to do so in the future. It's like how the other carriers run a credit check even if you don't buy a subsidized device from them. Because you're eligible to get one, the carrier is taking a financial risk.
I think that's why they introduced the no credit check postpaid plan. It doesn't require a credit check and it also doesn't give you the ability to finance a phone in the future either.