Is a bad credit rating ruining your mobile phone prospects? Don’t worry, just log on to T-Mobile and figure out the best plan for yourself. Chances are that you may not be allowed the fanciest of handsets, but you’ll surely find something appropriate to use.

All you need to do is to go to T-Mobile’s website and browse through their various tariff plans. A good idea would be to choose a plan of a lower denomination so that it gets cleared easily. There are various plans to choose from, like pay monthly mobiles and SIM cards, or pay as you go mobiles and SIM cards. T-Mobile offers a Blackberry curve 9320 for £10.50 a month under a two year contract. In case of a bad credit score, you’ll have to pay a deposit on the phone. However, with a pay as you go phone you pay for what you use (in terms of calls, texts and data), and not the phone itself, which means that you can use it as long as you don’t deplete the balance.

A pay as you go plan involves the customer paying only for the upfront for the handset, and no monthly payments are required to be made. For example, the Blackberry 9320 costs £115 on a pay as you go plan. It thus becomes a better option for bad credit holders, as customers need to pay only for the handset and no recurring expenditure is taken on. However, it’s important to note that pay as you go plans do nothing to help your credit rating. To improve your credit rating, it is best to go for a low or mid-range mobile contract with minimal monthly payments. You can later spring for a high end handset once your credit rating improves.

You can find offers as low as £7 per month under contact plans and as low as £19 upfront under pay as you go plans if feature phones are what you need, and even lower in some cases. You just need to look up the perfect plan for you, and there are plenty to choose from at T-Mobile.

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