Help me pick a plan

C

crusader4life

New member
Theres really only one person i kill minutes with, so 300 with myfaves will be more than enough.
But 1 last question.
Can I get the phone under my name with only a debit card? im opening up an account on thursday or friday and really dont want to get a credit card. my dad isnt letting me put it under his name, so if i need a credit card i'll have to get one under my name.
 
As long as the debit card can be processed as a credit card you'll be fine. Most do, what bank do you use? If your debit card has a Visa logo then you'll be fine. Actually, they do a credit check, but you don't have to have a credit card... just good credit.
 
~via BB (wap.rabroad.com)~ You don't need a credit card, just good credit... At the time I got TMobile my dad didn't have a credit card just really good credit...
 
I just turned 18 in december, so I dont think I have credit at all. I get my paycheck on thursday tho, so i'm opening an acocunt then. probably with wachovia. And I know their cards have a visa logo
 
You will be put on a spending limit... They will give you a $50 spending limit so you won't be able to get the ideal plan. The best you can do is get the $19 blackberry add on for data and the $29.99 plan with 300 minutes and free weekends but no nights. Slightly bad credit is better than no credit, but paying your phone bill will give you good credit. If you get a two year contract and don't have any late payments then they will lift the spending limit after 1 year and let you upgrade. Your other option is to get a parent to co-sign.
 
my first cell plan I had to co-sign on the plan .You might have to do the same without having credit. Having bad and no credit are different, but get the same results. (decline )
 
Before you get over your head in bills. Make sure you can make the payment. A $39.99, plan with BB add on turns into $59.99, plus fees, and such, you could be looking at a $70.00 plan...Ask the dealer, or t-mobile rep how much is the bill going to be if I get this, after taxes, and fees. (if i have no charges)

The worst thing is going from No credit to bad credit overnight. To have good credit, it is built on history. And it takes time to get bad history off. Just make sure you make the payment, and are never late. If not you will pay for it later, with every bill (high interest rates, high morgage payments..., high APR on your car loan...ect)
 
Boomboom is right. I work in the mortagage business, and the way the market looks, people with subpar credit won't be able to get a loan!!!!! SO watch your credit, and apply wisely!
 
I'm sure i'll be able to make the payment, and i already set aside the money for cancelling the account incase i cant make the payment.
I'll ask my dad if he will co-sign it for me tho.
Thanks for the help everybody
 
Well, I figured out I dont need a co-signer, just a $250 depoit [refunded after 12 months]. And now i need $70 more to get the phone, so it'll be ordered either tomarrow or sunday.
I'm so happy, i'll finally have my blackberry
 
Did you order yet? If not, you can order from Amazon as well for only $0.01!http://www.amazon.com/BlackBerry-8100-White-myFaves-T-Mobile/dp/B000MUP62A/ref=pd_bbs_3/102-7501983-7620121?ie=UTF8&s=wireless&qid=1174368868&sr=8-3

Well, if you DID get it already, I hope you're enjoying it! I have had my BB Pearl for a week now, and I can't put it down lol...
 
I'm ordering it now, got to the bank late yesterday to put the money in so it wasnt in until today. Now im just waiting for my credit to get approved (i know i gotta spend $250 on deposit) but i had to change the shipping to overnight since i have work off tomarrow and get to stay home and figure out how to use the thing.
Hopefully it get approves soon, because i have to go to work in about 30 minutes
 
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