I%26#39;m 18 and I want to get a cell phone of my own. I don%26#39;t have a credit card and never have therefore I don%26#39;t have any credit built on my name. Can I still get a cell phone? Or would I have to build up good credit first?
Answers:
You don%26#39;t have to build credit to get a cell phone. Once you are 18, you can go and get a contract.
Just a couple things to keep in mind before you go, decided what carrier you want. The reason you will want to do this is because each Major Carrier runs a credit check on you. You don%26#39;t want to many people running credit checks on you... effects your credit score. Anyway, the company that usually has the lowest deposit (if any) is either T-Mobile or Sprint. Figure out how much is too much for a deposit. Are you willing to pay more for a deposit or would you rather save that money for a good phone. Also do the research the companies Price Plans and Extras (text message, internet usage, etc.) So you know how much you are going to be paying a month. Also keep in mind that the first bill is going to be higher then what you will talk about with your Sales Rep because of activation fees and prorated charges. Like I said, just a couple things to keep in mind.
Now the good thing is that once you do get into a contract and pay your bill every month on time, this will actually help build your credit (in a good way).
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