Pros and Cons of a Bad Credit Phone

With more people having bad credit issues, the popularity and demand for bad credit mobile phone deals also continue to grow in the UK. Just because you have a poor credit score doesn’t mean you can’t apply for a suitable phone contract. With bad credit phones more available and more popular than ever, you always have a handy alternative to meet your monthly phone service needs. Here are a few pros and cons to consider if you’re in the market for a bad credit phone:


1. Online availability – Bad credit phones are widely available online. If you can find a reliable provider, you can simply complete an online application form and get approved in a matter of hours.

2. Minimum requirements – When you apply for a bad credit phone, the requirements are also pretty minimal. There’s no credit check hence faster processing. In general, customers just really need to be of legal age and a UK resident to be able to apply for a bad credit phone.

3. No credit check – One of the best things about bad credit phones is the no-credit-check requirement. If your bad credit used to get in the way, there’s no need to worry about that when applying for a bad credit phone contract.

4. Boost credit score – Another great thing about bad credit phones is the fact that you can use it to improve your credit score. You can do so by committing to pay your monthly fees on time. If credit agencies see your consistent on-time payment, it’s only a matter of time to enjoy significant improvements on your credit rating. For more tips on how to improve your credit score, go to


1. Relatively expensive – Bad credit phones, however, can be relatively expensive than the typical phone contract deal available for people with good credit. The difference is not as significant on a monthly basis but it does add up over time. Though expensive, bad credit phones remain an excellent alternative and convenient solution for people who can’t get approved for a phone contract deal elsewhere.

2. Limited handset choices – Though your credit score won’t affect your approval chances, providers still consider it when giving you access to handset choices. Because you have a poor credit score, chances are high that your handset choices will be limited to cheaper and mid-range options.

Bottom Line

Considering the pros and cons, you can see that bad credit phones may not be the most affordable options available in the market but it remains a convenient alternative for mobile users with bad credit. When you apply for one, just make sure you’re committed to pay your monthly dues on time to avoid any added damage to your credit score.