When shopping for a cellular plan, follow these tips to avoid
financial pitfalls and shortcomings. Also, these pointers
will also help you pass a cellular providers credit check
and help you get the deal you want without extra deposits
Know what type of contract you are entering into and understand
it. Make sure when you purchase a phone, that you can make
the commitment. Every cellular provider that you choose will
have a type of contract. Usually for a high cancellation fee
of $200-$400 depending on the plan these contracts can be
Do you need free roaming?- Know your calling area near your
home. Cellular phone plans have a "home calling area" where
all calls you make are free. Also, calls are free as long
as you can access your cellular providers network at anytime,
no matter where you travel. Be aware, depending on their network,
that each carrier has different calling areas. If you travel
a lot, you may want to choose a cellular plan that has a high
coverage area. The cellular network and coverage can be very
large and most likely will cover a large part of the United
States. Make sure you have free roaming to shield yourself
against areas that may not be covered.
When you make calls and receive them, remember that you pay
for both. Cellular users pay for BOTH calls he/she makes AND
calls he/she receives. To be sure you are receiving the most
out of your minutes; be aware to whom you give your cellular
number out to, reserve it for those you can trust. By doing
this, it will prevent prank cellular calls, unwanted solicitors
and leave your minutes unused for those important calls.
Know what types of cellular accessories are available and
what you might need. Mostly all cellular phone plans come
with a few free accessories so it's important to plan ahead.
Keep in mind that some states have restrictions on cell phone
usage while driving, so a hands free kit is a definite must
have. In this case find a provider that is willing to give
a free kit with service instead of paying for that could cost
up to $120 for certain models. Take advantage of these free
accessories that may come with a plan such as a belt clip
and/or car charger.
Estimate what time during the day you plan to make most of
your calls. The first thing that should be looked at carefully
when purchasing a phone, is the major price differences between
plans for 'anytime' minutes. Anytime minutes are cellular
phone talk time minutes that can be used during the day or
night. A plan with 1000 anytime minutes will be more expensive
then a plan with 500 anytime minutes. Right now, mostly all
cell phone plans comes with unlimited nights after 8:00 or
9:00 p.m. and/or unlimited weekend minutes. Choose a plan
with low anytime minutes if you do not need to use your cell
phone during the day. This way would be the cheapest.
Crucial note: do not underestimate you're anytime minutes.
Make sure you pick a range of anytime minutes in a plan that
you know for sure you will not surpass or you will pay an
extreme rate per minute charge. Plans can be changed at anytime
for any cellular carrier, so you can always choose to lower
your anytime minutes if you do not need them.
Pay off unsettled credit card balances or debt. Before applying
for a cellular phone, pay off as much debt as possible. The
lower debt amount you have when applying, the better your
chance of success. Mostly all cellular phone providers do
a light credit check on customers prior to acceptance into
a contract. By paying off your debt consistently, you will
establish a solid credit history that will also help you when
Too many credit cards is a bad thing and will hurt your credit.
If you own several credit cards, it can hurt you instead of
help you when applying for cellular phone. When a provider
sees you have several open lines of credit, they may be hesitant
to enter into a contract with you. A straightforward answer
is to close and cancel most of most of your credit cards that
are not being used.