How I Secured A Mobile Phone Contract Even With Bad Credit

I always thought of myself as a financially conscientious person. I always lived within my means and wasn’t extravagant in any way. However, I realised the hard way that anybody can fall prey to hardships. An accident left me with a lot of medical bills, medication expenses, and credit card bills. Even with insurance, I struggled, and before I knew it, my credit rating sunk.

However, life goes on and the first thing I needed was another mobile phone, as the last one was destroyed in the accident. This time though, I experienced my first mobile phone contract application due to poor credit rating. I debated whether or not I should just buy a phone outright, but my medication expenses left me with little money for anything else, so it was out of the question.

Since I needed a mobile phone for work purposes as well as keeping in touch with my family, I decided to call up my previous mobile phone provider to discuss my financial situation. After a lengthy discussion about my situation, with a lot of pity-inducing stories on my side, the representative finally drops the solution: a bad credit mobile phone contract. He gave details on the terms of the contract, and I told him I needed time to think. The terms were extremely limited – their monthly plan limits were not enough for me as I do make a lot of calls and texts.

However, it bothered me that my previous provider never actively advertised their bad credit mobile phone contracts. I decided to call up other mobile phone providers. Turns out, most mobile phone providers actually have plans dedicated for people with bad credit, they simply don’t say it outright. Usually, I would have to do a bit of weaseling for them to finally open up about it. I would usually tell them that this other provider offered me this and that, and that’s when they would offer their bad credit plans.


Intrigued, I search the Internet for bad credit mobile phone contracts. This is how I found mobile phone contract brokers like They weren’t contract providers, but they were well-connected with several providers and they helped match people with bad credit with providers who can give them the largest chance at success.

I decided to go for it since their application was online. Turns out, it’s a great service not only for lazy people, but for people like myself, who don’t like the feeling of getting rejected. Instead of having to knock on doors like I did, I could check out all the options that were available to me under one roof. I simply filled out their application form and waited. A few hours later, I got a call from the service. I was endorsed to providers who weren’t iffy with credit ratings. It seems I passed the qualifications for these providers, and it was now up to me to check which providers offered the most acceptable terms.

I looked over the terms and conditions of the providers and found myself going with O2. They had basic plans which fit with my lifestyle and usage patterns. I was also okay with the tariffs and the usage terms. The handset wasn’t that great, but I guess beggars can’t be choosy. What sold me was the opportunity to upgrade. I was told that if I did well with my payments, I could upgrade to a normal phone plan in as early as six months.

And that is the story of how I got a mobile phone plan despite my dismal credit rating. If anything, the lesson here is don’t give up. The Internet is crawling with resources and services aimed at helping people with bad credit. All it takes is a bit of effort on your part to make things work.


Five Must Have Accessories For Your Mobile Phones

Mobile phone accessories are equally as important as the handset they’re built for. While a few people are satisfied with whatever they get, others want to decorate their phones to the fullest. Not only do accessories make phones unique, they also add functionality and convenience. Below are five accessories that balance aesthetics and functionality so you can maximize your phone’s features and benefits.

Protective Covers and Cases

Some people like the simple design of their mobile phones, while others find it bland and plain. Protective covers and cases are great for people who would like to change the exterior look of their mobile phones. These cases and covers come in a variety of colours and designs, so it’s easy to pick something that suits your personality. Aside from its aesthetic appeal, these accessories also protect your mobile phones from cracks and scratches. Some high end covers even have shock absorbing capabilities so your mobile phone will remain unscathed even if you drop it.


If you’re buying a mobile phone kit, it will most likely come with a headset. However, if it doesn’t have one, or if the one included in the kit is not to your liking, there are a lot of headsets available for sale. You can choose between wired ones and wireless ones. For the wired headsets, you can choose between an earbud or boom headset. Earbud headsets are small enough to fit into your ear, and are more convenient to carry around due to its small size. Boom headsets are big enough to wrap around your ears. These headsets are recommended for people who love to listen to music as the sound produced is fuller.

Memory Card

Most mobile phones come with built-in memory, which is very limited. Users who want to download apps, songs, videos, and games onto their mobile phone will have a hard time trying to fit everything into the phone’s built-in memory. Memory cards are great for storing media and data on your mobile phone so you can download to your heart’s content. Memory cards come in either the microSD or microSDHC variants. Different phone models have different slot compatibilities, so check first which memory card type is compatible with your phone before purchasing one.

Extra Chargers

Mobile phone kits come with a wall charger; however, it’s a good idea to purchase extra chargers, especially if you use your mobile phone a lot. You can purchase a car charger, which is plugged into your car’s lighter outlet. You should also think about purchasing a USB charger if you have a laptop or desktop computer. This is more convenient for people who work on their computers all day. If you want, you can also get an emergency charger. This charger uses AAA batteries to give your phone enough juice for calls and text during emergency situations.


Every time you use your phone, it drains your phone’s battery, and you need to charge it again. However, in time you’ll notice that each charging time takes longer to complete and that your battery’s efficiency is slowly dropping. Having extra batteries lying around is a great way to ensure that you get rid of defective batteries as soon as possible. This is also a great alternative during situations where you can’t charge your phone.


The Dos and Don’ts of Mobile Phone Usage

Because mobile phones are a huge part of our lives, their use should be regulated. This is why mobile phone etiquette was created – to make sure each person uses their mobile phone responsibly and with respects to others. While etiquette is relative, as some people are more lax than others, here are some basic dos and dont’s that you should observe when using mobile phones.


  • Do prioritise human interaction over your mobile phone. If you’re talking to somebody or are out with people, make sure you give them undivided attention. Nothing is more rude than talking to someone who keeps looking at their phone.
  • Do put your phone on silent when inside the church, cinema, the library and other places where complete silence is necessary.
  • Do call back when the line gets cut off if you initiated the call.
  • Do resolve differences in person. Arguing over the phone is never a healthy thing.
  • Do be mindful of time zones when calling international numbers. Afternoon here might mean midnight for the person you are calling.
  • Do be aware of your surroundings. Sometimes, when you’re too preoccupied with your phone, you won’t even notice that you suddenly stopped in the middle of the pavement, effectively blocking people who are trying to walk past you.


  • Don’t yell. Even if you are in a crowded place, the person you’re calling might not even hear the background noise due to sensitive and all they’ll hear is your loud yelling. If you must make a phone call, at least move to a quieter place.
  • Don’t walk and talk. Not only is it annoying for the people walking behind you, when you suddenly stop, it is also a recipe for disaster. You can get into an accident if your attention is somewhere else.
  • Don’t use your phone while driving. Aside from being an etiquette issue, using your phone while driving can be fatal. The number of road accidents due to mobile phone use is a testament to this fact.
  • Don’t sleep with your phone next to you. Recent studies show that excessive use of your phone could cause problems to your health because of the radiation it emits. While most scientific studies conducted nowadays are divided on the issue, having your phone with you all the time is still considered unhealthy. Don’t be too dependent on your phone; you shouldn’t keep it on your person 24/7.
  • Don’t use foul language. Since talking on the phone or sending text messages give a sense of anonymity, people are often more courageous and aggressive over the phone than in a face to face confrontation. Even so, watch your language – don’t say something over the phone that you can’t say in person.
  • Don’t leave your phone lying around anywhere. It is an important tool which costs a lot of money, so take good care of it.

To be on the safe side, you should follow the golden rule. Think about what you like and don’t like about people’s behaviours when it comes to mobile phones. If you have pet peeves and dislikes about how people use their mobile phones, it makes sense that you also don’t do the same thing to people around you.


Mobile Phone Contract Hunting Tips

When it comes to mobile phone contracts, you should approach the topic like you would a romantic relationship. In a relationship, you take the time to know somebody before taking the plunge because you know you’re going to spend a long time, if not forever, with that somebody. Mobile phone contracts are the same – since you are locking yourself to a contact that lasts 2 years give or take, you should at least get to know the provider of said phone contract, as well as the handset you’re getting.

Sadly, a lot of people don’t follow this mindset. Most people unwittingly sign a contract only because the handset is the latest in the market, or because it looks cool. Some sign contracts because the terms look good on paper. If you enter mobile phone contracts this way, you may find your relationship with your contract provider turning sour once the reality of payment terms set in. To avoid this pitfall, we’ve compiled some handy tips you should follow when shopping for a mobile phone contract.

Research Before You Look

When it comes to relationships, you already know what you are looking for before you start your search. The same applies to mobile phone contracts – never set foot in a phone store or apply for a contract online if you have no clue what you want. First, think of your lifestyle, budget constraints and phone usage. Is your financial status good enough to sustain contracts featuring the latest handsets? How many texts and calls do you make per month? What other services do you want besides the basics (e.g. mobile Internet, cameras, organiser apps, music)?

Let the Internet be your best bud. If you have your eye on some particular models, at least have an idea on all the features they offer. Of course, mobile phone companies will always highlight the good stuff, so it’s up to you to check the facts. A handset might look glamorous and have tons of applications, but it might also have lousy battery efficiency.

Take Charge

Sales representatives have a sixth sense, and can detect customers who have no idea what they’re doing. This is why you should do your research and take charge. Make sure the sales crew know that you won’t be taken in by idle sales talk If you possess an aura of authority and knowledge, you won’t get badgered into buying something that’s more than what you need.

Don’t be afraid to take a closer look at all the phones in the shop. Ask questions to clarify what you already know from your research. If you play your cards right, they will see that you are well-informed and will treat you accordingly. Take charge and stick to the phone plan that you want. Kindly decline any attempts to get you to upgrade, add goodies or basically spend more money for something you don’t need. If you must, drop names of competitors and their offers. Who knows, they might even sweeten the deal if they feel like they might lose you to the competition.

The same concept applies to online shops. Negotiate as much as possible until you get the terms you want. If you tread carefully and analyse all aspects of the deal when buying a house or car, why not apply the same caution when it comes to mobile phone contracts? Sure, the money invested in mobile phone contracts is nothing compared to houses or cars, but it’s still your money, and you have to make sure you spend it wisely.


Do We Rely On Mobile Phones Too Much?

We see conclusive proof of it all over social media – teens crying over broken, lost or stolen mobile phones like it was the end of the world. Sadly, this affliction doesn’t affect the younger generation alone. Although adults are less likely to overreact about it, all of us feel lost and confused without our mobile phones. This leads one to ask – how did convenience tread over to reliance?

Technology is a great thing, don’t get me wrong. I love how technology has made life easier for everybody. Mobile phones especially, have made life more enjoyable and convenient for everybody. However, when gadgets do all the thinking for you, does this mean it’s okay for us to turn off our brains?

For example, if you need to add up your expenses for this month, do you get a pen or paper and compute things manually, or do you rely on your mobile phone’s calculator? Do you personally remember the birthdays of your loved ones, or do you rely on your mobile phone’s calendar? As more and more apps are created for the mobile platform, the less thinking we have to do. But is this really a good thing? What if you lost your phone, would you panic if you needed to compute something? Would you struggle to remember what’s next on your schedule?

This is not to say that humans are getting dumber – far from that. All I’m saying is that the more we rely on gadgets, the easier it is to forget that there are a lot of things that we can do ourselves. The brain is a tool that must be used regularly in order to stay in top shape. If we rely too much on technology, we forget how powerful our minds are. And when we lose our phones due to one reason to another, we end up feeling lost. It’s like when you hurt your arm and you need to put it in a cast. When the cast is finally removed, your arm feels numb and it takes a while before you feel comfortable with it again.

Reliance on technology doesn’t affect adults as much, because we spent half of our lives without relying on these gadgets. But what about the younger generation? I see parents giving children their own mobile phones, tablets and other gadgets at such a young age. I see nothing wrong with it actually, as long as parents are still in control and guide the child through proper gadget usage. Unfortunately, most parents use these gadgets to distract their children so they have time for themselves. Because of this, we see kids using gadgets on their own, without parental supervision.

This leads to a lot of problems, one of which is the child’s overall reliance on their mobile phones over their parents. They’d rather spend time with their gadgets than with their families. Anything they need to know, they learn on their own instead of their parents. They are also exposed to material competition at a young age. Too often I see kids using mobile phones as a sort of status symbol, and if you don’t have the latest handset, then you are designated to the bottom of the social ladder.

All in all, technology is not a bad thing; however, if you rely more on mobile phone than your own abilities, then maybe you’re relying on it too much. Remember, mobile phones should be tools of convenience, not total dependence. If you’re relying on it too much, and if you can’t function well without a mobile phone, then it’s time to put down your phone and start exercising that wonderful mind of yours.