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If I buy a Thunderbolt off contract and pay full price, will I need to have a credit check? Normally I wouldnt care I have top tier credit, however, I just took how a huge car loan for a new car and I dont have confidence in that nor do I want it hit again. So will the check credit if im moving over from AT&T and porting my number?
Thanks
Not sure as I haven't had them check me for a while, but I'm pretty sure that whenever you get a contract with them for service, they'll check you regardless.
Russ36363 said:
Not sure as I haven't had them check me for a while, but I'm pretty sure that whenever you get a contract with them for service, they'll check you regardless.
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Wouldnt be signing a contract if I bought the phone outright though. You only sign a 2 year contract when they subsidize it.
Russ is correct, if you're signing up for POST paid service (ie., you pay a bill for last month's usage) they are definitely going to credit check you. I opened a new VZW account yesterday (but subsidizes the phone) and they took my social number and waited a few seconds for approval.
I don't think inquiries like the phone company are going to be a negative impact on your credit score, especially if you have "excellent credit" ratings already.
VZW will check your credit for a new account on contract. They will also try to run your credit even if you're going to buy the phone outright. It wont affect anything in that case, however, and they don't actually need your SSN. They can go without it, but the system will ask them for it to start a new account.
@distortedloop: VZW actually bills a month in advanced, even on a contract. To clarify, your monthly access(I.e. plan) will be charged a month in advanced but any charges from overage will be from the month before.
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unremarked said:
VZW will check your credit for a new account on contract. They will also try to run your credit even if you're going to buy the phone outright. It wont affect anything in that case, however, and they don't actually need your SSN. They can go without it, but the system will ask them for it to start a new account.
@distortedloop: VZW actually bills a month in advanced, even on a contract.
Sent from my SCH-I500 using XDA App
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Well my concern is that I wont pass the credit check being that I just took out a big car loan. My credit was top notch BEFORE taking the large loan, so now it might be futile to try to switch. I hate AT&T bottom line lol...
psufan5 said:
Well my concern is that I wont pass the credit check being that I just took out a big car loan. My credit was top notch BEFORE taking the large loan, so now it might be futile to try to switch. I hate AT&T bottom line lol...
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VZW deposits are $125 and $400 at the most respectively and you get them back after the first 12monthes with 3% interest.
My recommendation to you is to go to a store and find out for sure if you'll have a deposit. Running a credit check wont disconnect your AT&T service or anything.
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unremarked said:
@distortedloop: VZW actually bills a month in advanced, even on a contract. To clarify, your monthly access(I.e. plan) will be charged a month in advanced but any charges from overage will be from the month before.
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Okay, but interesting that I didn't have to pay a month in advance when I opened an account yesterday. (Edit: No deposit required either...I walked out the door for price of phone and taxes (and activation fee I think) only.)
Does this mean I'll get a bill for two months' service next month?
distortedloop said:
Okay, but interesting that I didn't have to pay a month in advance when I opened an account yesterday. (Edit: No deposit required either...I walked out the door for price of phone and taxes (and activation fee I think) only.)
Does this mean I'll get a bill for two months' service next month?
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Short answer: yes.
Long answer: not really and your sales rep should have explained. Your first bill will be higher than all the others. You'll be prorated for whatever's left before the end of your billing cycle. So if your billing cycle ends on the 15th, and you activate on the 10, your first bill will be 1month+5 days prorated. Billing cycles are randomly assigned by the system and don't necessarily correspond to when you activate. Hope I explained that adequately.
edit: one of your reciepts should give you more info and exact numbers. Btw, nice to see a familiar name from the Nexus S forums.
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I'm not trying to rain on Anyone s parade but if you just simply buy the phone outright they will not check your credit. However, to get the service on the phone there will be some type of credit check
Those who have to worry about passing a credit check in order to get a phone should simply rethink their priorities.
Should they buy a brand new device for over $400 or put that money towards paying off debt and increasing their credit score (and reducing their debt). Not to mention, they will need to purchase an expensive data plan to go along with the phone.
I am not trying to preach. But people should really think about their priorities.
When I originally had Verizon, about 3 years ago, I provided my own phone; they still ran credit to provide service. They're essentially loaning you the bandwidth usage, which you pay for at the end of each month. Whether you own the hardware or not is a moot point, it's the network and you paying to use it that's their concern.
psufan5 said:
Well my concern is that I wont pass the credit check being that I just took out a big car loan. My credit was top notch BEFORE taking the large loan, so now it might be futile to try to switch. I hate AT&T bottom line lol...
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Just because you took out a loan doesn't lower your credit score by a significant amount. Taking out a loan and not paying it will lower your score. If you were to try and get another loan your score still wouldn't go down, but if you debt to credit ratio was too high it would limit the amount of the new loan and or interest rate. Verizon is simply looking to see if you pay your stuff on time or have you slacked off. Not how much total debt you have.
unremarked said:
Short answer: yes.
Long answer: not really and your sales rep should have explained. Your first bill will be higher than all the others. You'll be prorated for whatever's left before the end of your billing cycle. So if your billing cycle ends on the 15th, and you activate on the 10, your first bill will be 1month+5 days prorated. Billing cycles are randomly assigned by the system and don't necessarily correspond to when you activate. Hope I explained that adequately.
edit: one of your reciepts should give you more info and exact numbers. Btw, nice to see a familiar name from the Nexus S forums.
Sent from my SCH-I500 using XDA App
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Ditto on the familiar face comment.
And yes, what you're saying makes sense, and actually as I think about, I'm pretty sure in the back of my head I knew that; it certainly sounds familiar with prior phone contracts. (I've been off contract on AT&T and T-Mobile for quite some time.) For me, it won't be much larger a first bill, since my new billing cycle starts 3/20/11.
Probably not the right place to discuss, but what are your thoughts on the NS vs the TB? Service (voice and data) on the TB much better than TMo, but I much prefer (so far) the weight, shape, feel, and of course the SAMOLED display of the NS. Not sure which will end up my daily driver. If only I could have an NS with VZW 4G/LTE...
my credit is ver very ver bad.. way below average but i was shocked that i got approved for $0 deposit.. couldnt be any happier!!
I had pretty terrible credit (score of 550 something) when I signed up with Verizon and I had to pay a $130something deposit which was refunded to me after 12 months of paying my bill on time.
And some people need a phone despite having bad credit.
My credit was apparently still great
Thanks.
psufan5 said:
My credit was apparently still great
Thanks.
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Sweet!
(Can I borrow $50??)
distortedloop said:
Probably not the right place to discuss, but what are your thoughts on the NS vs the TB? Service (voice and data) on the TB much better than TMo, but I much prefer (so far) the weight, shape, feel, and of course the SAMOLED display of the NS. Not sure which will end up my daily driver. If only I could have an NS with VZW 4G/LTE...
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Yar, probably not the best place, but whatevs. And +over9000 to the voice/data service on the Thunderbolt. Definitely better than TMo in my area. LTE is really quite something. I was hitting 8-14.38mbs all over Dallas today.
I miss the weight and the shape of the NS, but I don't miss the build materials. It's not so much that I dislike them because the phone "felt cheap" as much as I felt like they attracted every strand of every hair of every thread of everything! And whatever did get on the device stuck to it like a magnet. The Fascinate I switched to after coming to VZW had the same phenomenon. Haha.
As for the display, I'm very impressed with the Thunderbolt's. Normally a large(r) phone goes cheap on the display(looking at you Droid X, Evo, MT4G, etc.), but the colors are very crisp, clear, and vibrant. I don't know if the NS just had a much better SAMOLED, or what, but I was pretty disappointed with the Fascinate's and definitely prefer the TB's over it.
@RichyRich said:
When I originally had Verizon, about 3 years ago, I provided my own phone; they still ran credit to provide service. They're essentially loaning you the bandwidth usage, which you pay for at the end of each month. Whether you own the hardware or not is a moot point, it's the network and you paying to use it that's their concern.
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Ontopic: If he buys the phone outright and goes Month-to-Month, they will still try to run his credit but it won't affect anything. It's not even really required. The rep could activate him under the name Mickey Mouse SSN#123456789 if they wanted to. The system just requires that the rep hit the run credit button.
Taking a car loan does not hurt your credit, if you credit was top notch and you took out a car loan it does not make your credit bad and your credit score does not go down that much. Yes if you dont make a payment on that loan and it goes late on your credit history then you are in trouble. Taking out a car loan and paying it on time actually makes your credit better and makes the creditors think that you are more responsible.
Trust me my dad used to be a big gun and had 3 mercedes and one was nearly 150k and two were around 80k and also had a cadillac. Trust me his credit was epic, but sadly economic meltdown literally took everything away from him, even his savings.
your first car loan is actually really good for your credit.
is there any UK retailer that could sell the sgs2 but in payments? I cant pay for the whole thing... it means paying lets say like for example 50 pound per month..
is there any retailer that might do that or accept such kind of payment? =/
please help me out as I really wanna switch from this Omnia HD of mine..
thanks in advance
P.S
I live in Israel and not in the UK, if that will change anything...
none..?
I'm not trying sound sarcastic, but would they not let you order with a credit card? Paying that off in installments.
huh? what do you mean?
I meant credit card, but in payments.. like paying 50 pound per month instead of the whole 440 pounds in 1 hit (1 month)
Last time I looked that's kinda how credit cards work, you buy it in one go and pay the card off as you can afford it.
weird because I'm always getting charged in 1 hit.. no matter how big the charge is..
Well of course you're going to get charged the interest on the full amount, but it's up to you pay down the capital. Even if you did find a UK supplier with a credit agreement, it would be the same and probably cost more. You won't get instalments.
Fornowagain said:
Well of course you're going to get charged the interest on the full amount, but it's up to you pay down the capital. Even if you did find a UK supplier with a credit agreement, it would be the same and probably cost more. You won't get instalments.
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I think the OP is referring to a hire purchase agreement? rather than the entire amount being charged to his credit card in one hit, and then making monthly payments to credit card company. At least, thats my take anyway. If I'm right, then I think he is out of luck, as most hire purchase agreements require some sort of credit check?
KnightMAREcrow said:
but would they not let you order with a credit card? Paying that off in installments.
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No idea how credit cards work in the UK but in Austria you get a monthly statement, to be paid immediately and in full, while in the US they seem to work more like giros.
But anyway, OP, if you can't afford the phone don't buy it. Consumer loans for something that isn't an investment (own flat / house, maybe a car) are a really bad idea.
stoney73 said:
I think the OP is referring to a hire purchase agreement? rather than the entire amount being charged to his credit card in one hit, and then making monthly payments to credit card company. At least, thats my take anyway. If I'm right, then I think he is out of luck, as most hire purchase agreements require some sort of credit check?
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Yeah that's what I was referring to, a credit agreement where they split the cost of the item and include interest. So a fixed amount each month until term, but even if he could find one it would cost a bomb and not for an overseas buyer.
fallenguru said:
No idea how credit cards work in the UK but in Austria you get a monthly statement, to be paid immediately and in full, while in the US they seem to work more like giros.
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What you have to pay the entire balance?
Fornowagain said:
What you have to pay the entire balance?
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Yep, it's even debited automatically from a regular bank account / giro, so it's only a credit card insofar as you only have to pay once per month. My point was, what a credit card actually is differs a lot, usually on a country-by-country basis.
fallenguru said:
Yep, it's even debited automatically from a regular bank account / giro, so it's only a credit card insofar as you only have to pay once per month. My point was, what a credit card actually is differs a lot, usually on a country-by-country basis.
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Now that would make you think twice about buying. It's all too easy over here to have a dozen cards maxed to the limit and just pay minimum balances of a few quid. Not only that, they're always increasing the credit limit. One card I've had a small balance on, only a few hundred on and off has a limit of over £20K. Never asked for it.
just order the O2 50 min deal cancel data bolt on after a month, and then pay 10.50 p/m over 24 mnths, interest free no hassle
Try this http://www.kevwright.com/home/2011/5/23/samsung-galaxy-s2-unlocked-for-351.html
Sent from my GT-I9100 using Tapatalk
Close thread please. how do you do this?
Have you tried calling them and asking what all the fees are about? The retention center # is somewhere floating around here, I hear they are very helpful
everyone gets the 10 dollar charge
if your happy with the phone, i'd say suck it up
if your not happy with it, take it back.
Sprint has never screwed me over, in fact they gave me a $10 credit for having tower issues in my area
ninjamirage said:
Sprint is already trying to screw me by removing a save50 invoice credit, and they are charging me $10 more per month (not taxes) then what it said on my original receipt. I hate to have to return the evo 3d because I like it, but Sprint has a bad reputation of screwing over their customers on the invoice credits. I don't know whether to sue them for cancelling my original order and making me a new order without my approval, or to just cancel it and return the phone.
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It is always funny that if a company makes a mistake like this, the first thing people like the OP think about is suing the company. Over what? What phone did you come from? Was it a smart phone? A Razr? All you have to do is call them and explain what the deal is and they will 99% of the time fix it for you.
".....they are charging me $10 more per month (not taxes) then what it said on my original receipt."
In regards to the $10/month, are you referring to the monthly Premium Data fee? It's required on the EVO3D (and on other 4G phones), even if you are on SERO. It may not show on the receipt when you buy the phone but will appear on your monthly statement. Did you get it at a store, online or telesales? I called in my order and they stated very clearly that this phone requires the added monthly fee and exactly how much it was. With online purchasing, it warns you with a checkbox confirmation about the add on monthly reoccurring fee and will not let you proceed to order it without being ok'd by you.
If you enjoy the phone as much as I do then IMO it's worth the extra $10. If you think it's too much, you have 30 days to return it.
tgruendler said:
It is always funny that if a company makes a mistake like this, the first thing people like the OP think about is suing the company. Over what? What phone did you come from? Was it a smart phone? A Razr? All you have to do is call them and explain what the deal is and they will 99% of the time fix it for you.
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this is america dude, we sue over everything D:
The $10 fee is for all smart phones not just 4g ones. The only smart phone that does not require the $10 fee is the Samsung Replenish Android phone.
lol @ trying to sue sprint over an invoicing issue. Lol. Theyll murder you in court.
But in all seriousness, yes all sprint smartphones have the $10 fee except for one. Still comes out cheaper than other carriers data charges. In fact much cheaper and much better value imo
Dude I have just been trying to get the $50 invoice credit that was on my original order, and I've been getting the run-around for two weeks. I understand the $10 fee, even though it wasn't on my original order. But cancelling my order and making a new order without the credit and without notifying me seems shady. Before this I had my Droid X that I flashed to cricket. It's not 4G but it was cheap and reliable. With the phone rooted and optimized, it was pretty quick. I'm on a fixed income, so I can't pay more than $70 per month. When I thought I could get the EVO 3d for $60 per month, I decided to go for it. It just seems deceiving when my invoice says that I will be paying $60 per month plus taxes, then they say it will be $90 per month when I talked to them on the phone. That's a significant difference.
ninjamirage said:
I can't pay more than $70 per month.
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take it back it then, I don't think anyone is paying that low of a monthly cost for the 3d.
OP, create a aol email account. Sprint gives you a %10 discount if you have an aol email account. That would take your bill to about $73. Good luck
".....and they are charging me $15 more per month (not taxes) then what it said on my original receipt"
"It just seems deceiving when my invoice says that I will be paying $60 per month plus taxes, then they say it will be $90 per month when I talked to them on the phone. That's a significant difference."
Although you've made a significant edit to your original post, there's something still not right with your math. You first stated it was higher than you expected at a extra $10/month, then edited to $15, but you say it's now a $30 difference(from the $60 you thought you would be charged per month to $90 that you now claim).
Just tell them you work for your local school district. That's a 15 percent discount.
resolved now thanks
resolved now thanks
theyre charging us $2 now just to pay a bill online or over the phone. We now literally have to pay verizon to pay them. This **** is getting out of control.
Verizon Wireless To Begin Charging "$2 Convenience Fee" For Online and Phone Payments http://phandroid.com/?p=78467
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Yea, that is a little ridiculous. Petition time again?
im gonna stop paying online. then i'll call them and flip ****, and of course threatening to leave... maybe they'll throw me some goodies, seeing as I've been with them since oh 96? lol
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jayochs said:
im gonna stop paying online. then i'll call them and flip ****, and of course threatening to leave... maybe they'll throw me some goodies, seeing as I've been with them since oh 96? lol
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Not a bad idea. Sounds like the retention department just got the job of collecting our payments.
Sent from my newly unlocked Rezound.. Thank you HTC.
They really are getting out of hand with this already. Granted they have the best service by far, especially for me coming from Sprint, who had no 4g at all here, but come on already. Opinions seem to indicate that this is a result of people paying late, and Verizon is trying to force them to enroll in autopay, but come on. If someone's more than a day or two late, turn their phone off. Don't punish everyone for the actions of a few.
Evo4gLI said:
They really are getting out of hand with this already. Granted they have the best service by far, especially for me coming from Sprint, who had no 4g at all here, but come on already. Opinions seem to indicate that this is a result of people paying late, and Verizon is trying to force them to enroll in autopay, but come on. If someone's more than a day or two late, turn their phone off. Don't punish everyone for the actions of a few.
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I have never been late, my first year I didn't want to be late because I didn't want to be screwed and lose my deposit, lol.
I heard this a few days ago. It really seems crazy to me, but this decision was far above my pay grade. I have auto payment set up so it doesn't matter to me, but still seems a bit much. One thing I did see though, and we will see if it is true when this rolls out, but if you have auto payment you can pay early with a different payment method and it will not take out of the account you have set up for automatic payment or charge the fee. Again, we will see if it really is that way once this rolls out.
Makes a lot of sense, the one method that must cost Verizon the most manpower to process, that's the free method. I understand that they have to make money, but it's far less insulting to just jack up the bill by 2 dollars and say "look, we need more revenue". Rather than say "hey, the two ways that we've been trying to encourage you to pay for the last few years is now going to cost you unless you give us unrestricted access to your credit card or bank accounts, but hey that really inconvenient and wasteful method is still free". Right, so when there's a billing error or some other problem with charges, they can take the money regardless and then you can fight with them to get it back if you're lucky. No thanks.
Most business charge a fee to pay online or over phone, nothing new. Use snail mail or online banking and save yourself the fee. They are only charging if you pay on their site or use phone or my Verizon.
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They keep finding ways to nickle and dime us to death these days...
Grnlantern79 said:
Most business change a fee to pay online or over phone, nothing new. Use snail mail or online banking and save yourself the fee. They are only charging if you pay on their site or use phone or my Verizon.
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Most business' use a third party to receive their payments, this is why they charge.
Grnlantern79 said:
Most business change a fee to pay online or over phone, nothing new. Use snail mail or online banking and save yourself the fee. They are only charging if you pay on their site or use phone or my Verizon.
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I guess I must be lucky. None of the businesses I deal with charge a fee to pay online...phone maybe, but not online. I haven't used a check to pay a bill in as long as I can remember (years). I don't even know if I still have any.
kgbeezr1 said:
I guess I must be lucky. None of the businesses I deal with charge a fee to pay online...phone maybe, but not online. I haven't used a check to pay a bill in as long as I can remember (years). I don't even know if I still have any.
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Online banking works great for me, all my bills on one page.
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I refuse to keep stored payment info with verizon. 2 months ago, they processed a payment I didn't authorize a week before it was due. They couldn't explain it, said that I made the payment in the store. I've never made an in store payment. Guess I'll start sending them checks...
Online bill pay with Chase works great. It takes 5 days for them to receive payment Fyi.
Sent from my newly unlocked Rezound.. Thank you HTC.
Grnlantern79 said:
Online banking works great for me, all my bills on one page.
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online is the way to go, I have paid VZ that way for a couple years now.
I don't have it pay automatically, as I dont totally trust VZ to always get the bill right and I want to check it first, but it takes about 20 seconds to pay the bill online when it comes.
~John
Yeah, everyone who said online banking rocks tha house is right. I can pay my 17 or so different bills in about 3 minutes. It used to take an hour and a half at least when I mailed them. Plus I'm saving loads of paper which always makes me feel good.
Sent from my HTC Thunderbolt
Trolling and agreeing
Online bill pay is the way to go with anything. Its free, normally done electronically for fast and on time processing, easy payment tracking on One secure site, proof payment was made on a third party system and last but not least can also set as automatic payments using your banks system.
Sent from the tip of my ThunderStick on a bolt of lightning.
I'm filling a complaint because of this. I get paid once a month, one day before my bill is due. If they force this autodraft restriction it will cause me to overdraft my account as most autopay scenarios take the money out 3-5 days before the bill is due. I've already had Verizon move my billing date up once, I doubt they will do it again. This is just wrong of them.
Sent from my Nexus S using xda premium
Lol same here! I dont wanna miss a day of paying
AtLemacks said:
I have never been late, my first year I didn't want to be late because I didn't want to be screwed and lose my deposit, lol.
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Guess we will be the first ones to break in this BS.
http://techcrunch.com/2012/02/10/at...ed&utm_campaign=Feed:+Techcrunch+(TechCrunch)
Sent from my Desire HD using Tapatalk
I got an $18 credit by telling them I was thinking of switching an T-Mobile is offering $1 set up cost
I don't support this at all. It's sad that it's being added and I really hope that something happens and it gets reverted back.
Yes I realize that you only pay that once every 2 years, but AT&T doesn't need to be paid $36 for me to take the SIM card from your old phone, and transfer it to your new one.
At least it's not as bad as Verizon trying to charge $2 for every time you pay your bill. Even if you pay it online.
Is this even a concern if you pre-ordered? My upgrade fee amount is on my pre-order. In my case it is $0 because of my FAN account, but if you have a receipt that says $18, I doubt they can turn around and charge $36. If they try, I would fight it like crazy.
jpeg42 said:
Is this even a concern if you pre-ordered? My upgrade fee amount is on my pre-order. In my case it is $0 because of my FAN account, but if you have a receipt that says $18, I doubt they can turn around and charge $36. If they try, I would fight it like crazy.
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Definitely double check your bill as well, sometimes FAN's with waived upgrade fees don't always waive automatically and have to be manually done via business customer care.
If you bought it off Contract like me you don't have to worry about this fee.
They actually started hitting accounts for $36 last June .. we made them change it back on our account
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00mred00 said:
They actually started hitting accounts for $36 last June .. we made them change it back on our account
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That's what I thought. My account was showing up $36 last year already. Stores was still charging $18. Of course, I ended up nighty my gs2 of f contract.
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Thread closed
No one is going to be happy with this, this thread, as a result, will be an unhappy place - so I'm closing it.