There are two types of cell phone plans available to consumers, which are pre-paid plans and billing plans. Pre-paid cell phone plans can only be used with pre-purchased
minutes, and are easy to obtain bad credit cell phone plans because they require no credit check. Billing plans require a credit check because a credit line will be issued for cell phone call use by
the phone provider, in which you will be billed for on the following month.
Credit checks are obtained by many service providers that provides consumers with post billing plans. If you have a good credit history, you will be able to obtain cell phone plans with no required
deposit. However, if you have bad credit, they will most likely require a deposit. These deposits for bad credit cell phone plans can range depending on your past credit. This deposit will be
refunded after one year of cell phone plan service. These plans also usually require you to sign a one to two year contract.
Pre-paid cell phone providers are bad credit cell phone plans because they require no credit check. With pre-paid cell phone plans, a consumer will be required to purchase minutes before the phone
can be used. The minutes purchased will roll over from month to month, but once the minutes are used up, you will need to purchase additional minutes before the phone can be used again. There are no
recurring monthly fees and require no contract.
It is recommended to consumers in need of bad credit cell phone plans, to pay the deposit with the more common billing plan. The overall cost of cell phone minutes using a provider with billing plans
is much less expensive then those compared to a pre-paid cell phone provider.