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Mobile phones have become part of our lives. We use them as cameras, alarms, televisions, computers, and much more. Nonetheless, it can be difficult to get one if you have bad credit.

When you are applying for a mobile phone arrangement, there are three possible results. Get an approval with no inquest, since you passed the credit check. Be asked to pay a deposit for the phone you want, which will be refunded after a specified period of time. And lastly, get declined because of bad credit history.

Every phone network keeps its own credit score procedure which, if you do not meet, you get declined. This is because accepting you puts them at risk of losing money. If your mobile phone contract has ever been declined because of bad credit, you still have options.

  1. Look at sim only plans.

The thought of purchasing a cheap phone for the short term or keeping your old phones is unpalatable. However, using a cheap or older phone for 3 months helps you rebuild your credit score, and convince network providers that you are able to make steady monthly payments. This provides you with a strong future platform that will give you the ability to own the best and latest smartphones as soon as they are available in the market. This is the best option if you have been rejected and do not want any more rejections in future.

If you want to completely avoid credit checks, you can go for no credit check sim only options or a pre-paid phone plan. The firms that offer this service do not execute any credit checks because you pay for the service in advance. The deals in these firms work on a monthly basis and you have the advantage of revoking at any time without extra costs. They are cheaper than traditional plans.

You can also go for pay-as-you-go plans which let you add more talk time or data when you need them.

The disadvantage of this plan is that; you cannot purchase a phone and pay for it in instalments like you would do with a regular plan as there is no commitment.

  1. Family plan

Most network providers give family cell phone options. Some networks allow as much as 10 sim cards on a single plan. However, in order to authorise service under this plan, only the holder of the main account must pass a credit check. The same account holder is the one responsible for paying the monthly bill. If you do not pay your own bill, he has to pay it, so do not you’re your payments.

The advantage of joining a family plan is that it allows you to get around credit checks and save money.

  1. A co- signer

If you have a co-signer with good credit, you can get a mobile phone plan with bad credit. Nonetheless, the account would be under the cosigner’s name. This acts as security for the service provider so that just in case you default in your bill payment, your co-signer will have to pay it.

The co-signer can, in the future, change the account name to yours. Many service providers will run your credit score if you do change the name, but you will not have to pay a deposit since the account is already opened. Remember that service providers are different, each one could have a contrasting way of executing this.

  1. Security deposit.

You can still get a cell phone plan with bad credit if you pay a security deposit. Most service providers will repay your deposit after a given period of time if your bill is paid on time. The amount of deposit you pay depends on your credit score. The deposits are mostly per sim card. You will pay multiple deposits if you have more than one phone under the same account.

If you have bad credit, the best mobile phone option would be a sim only plan. In a case where the upfront payment is too high, join a family plan and work to build your credit score as you share costs in the family plan. In time, you will be able to get your own plan.

It appears as if mobile phone providers are churning out contracts on a daily basis. From all-inclusive packages which can offer unlimited Internet access to bundles associated with 4G data transmission speeds, the customer has more options to choose from than ever before. However, many are looking to free themselves from the financial bonds often associated with contractual deals. This is why some believe that SIM-only plans are the next big thing to hit the smartphone market. Let’s take a look at why these deals are attractive as well as some of the benefits that they have in store.

The Issue of “Seemingly” Unlimited Data

In the past, the majority of carriers would offer plans that provided unlimited access to streaming data. However, these plans were generally limited by the capabilities of the phones themselves. Packages providing 20 or 50 gigabytes per month would have been sufficient for most needs. Therefore, the consumer could rest assured that he or she would rarely (if ever) exceed these volumes. This has all changed due to modern technology.

High-speed connections and a burgeoning number of data-hungry apps means that contractual limitations will quickly be exceeded. This is the first main advantage of SIM-only deals. Consumers can choose from a number of different schemes; each of these based around predicted data usage during a given time period. Some deals even offer as much as 25 gigabytes for a single fee. Furthermore, there is no long-term commitment.

Factoring in the Cost of the Phone

There is no doubt that the major providers offer a host of interesting and flexible deals. On the surface, these can appear to be great ways to save a tidy sum of money each month. Unfortunately, there is a drawback to these options. The user will normally have to factor in the cost of the phone. This can be particularly substantial when referring to popular models such as the Samsung Galaxy or the new generation of the iPhone. In other words, the price of the phone will be added into monthly tariffs. SIM-only plans will not be subject to this added fee. Therefore, the consumer always knows exactly what he or she is paying for. There are no surprises and minutes can be topped up whenever required.

The Notion of Commitment

The mobile phone industry is highly competitive and each company hopes to retain their customers for as long as possible. Thus, many plans are often associated with contracts of up to two years. This presents an issue for those who want to switch deals down the line. They are normally subject to very high cancellation fees. SIM-only deals provide a sense of freedom that would not otherwise be possible. If the user suddenly spots an attractive phone model, there is no need to break any type of contract. The SIM card will simply be transferred to this new unit.

Network Amenities

It should finally be noted that most SIM-only deals come with a variety of network perks included. Data speeds of up to 4G, mobile tethering and public access are a few common examples of what customers can expect to enjoy. So, the myth of the “bare-bones” SIM package is no longer relevant.

SIM-only mobile phone plans are here to stay. As consumers become more aware of their benefits, we will likely see a shift towards these options in the coming years. Although standard contracts will not disappear, the providers themselves will have to offer even more options in order to keep ahead of this economically savvy revolution.

It’s pretty much a given that anybody using a computer for any serious design needs a good tablet. Selecting drawing tablets for artists can be daunting because of the many options out there.

Are you thinking of getting your first artist tablet, or perhaps upgrading? Here are some things to think about while making that big decision:

Pressure Sensitivity:

People’s preferences vary, but in general, the more sensitivity the better. You should definitely try various models out to get your own feel for this, paying special attention. If you have friends who have tablets, try them out for an hour or so and check out how you respond to their feel. Wacom is a favorite among most tablet buyers, to be honest, and these models consistently get the best reviews

Size:

This one is partially based on personal preference but really mainly based on what the tablet’s principal use will be. Applications like CAD require a bigger tablet in general, or at least having a bigger tablet is a huge advantage for CAD. Other applications may be better paired with smaller tablets which are less fragile and more portable. Obviously, how often you plan to take the tablet out of your home has a big impact on this as well.

Application:

Will the artist tablet in question be used for painting? Coloring? Editing photos? Drawing? Design? All of these applications have tablets best suited for these applications. Cintiq has tablets that specialize in drawing applications, but Wacom has recently made inroads into this market as well. Design is probably the lightest of these applications, and many designers actually prefer the mouse, but this is up to personal preference as well. Other designers definitely feel that they increase their productivity with the right tablet at hand. Only you can know what is right for you.

Consider Second Hand:

Artist tablets, especially the really good models, can be expensive, so don’t be afraid to check out the second hand market. There are some good deals to be had out there. In the case of something like an artist tablet, it is definitely recommended to meet the seller in person and take the unit for an extended “test drive” before putting your money down. Also consider using secure methods of payment such as Paypal and including a proviso for any unforseen technical issues in the first 30 days or so after buying.