How to secure a mobile phone contract

How to secure a mobile phone contract

Securing a mobile phone contract in London (or anywhere in the UK) can be slightly trickier if you’ve just arrived  because you likely lack credit history in the UK. Here’s what you might encounter and how to approach it:

Challenges for Newcomers:

  • Credit Check: Most mobile providers conduct a credit check when applying for a contract. Without a UK credit history, you might be denied a contract or offered less favorable terms (higher deposits, shorter contract lengths).

Approaches to Consider:

  1. Prepay (Pay-as-you-go) SIM Card:
  • A good starting point, especially if you’re unsure of your long-term stay or phone usage patterns.
  • Top up your credit and only pay for what you use.
  • No credit check required.
  • Providers like EE, O2, Vodafone, and Three all offer a variety of prepaid SIM options.
  1. Mobile Virtual Network Operators (MVNOs):
  • These providers often have less stringent credit check requirements compared to major networks.
  • Giffgaff and Virgin Mobile are popular MVNOs in the UK, known for competitive rates.
  1. Contract with a Guarantor:
  • Some providers might allow you to have someone with a good UK credit history act as a guarantor for your contract. This person would be liable for any unpaid bills.
  • Not all providers offer this option, so inquire beforehand.
  1. Building Credit History:
  • If you plan to stay in the UK for a while and aim for a contract eventually, consider building your credit history.
  • Open a UK bank account and start using a credit card responsibly, making timely repayments.