I Phone Review

Does the word blacklisted cell phone contract ring a bell? Blacklisted cell phone contracts are cell phone deals available for blacklisted people. And because they are already blacklisted, they are being banned in banks and lending companies from borrowing money due to heaps of unpaid previous debts - more so in applying for a cell phone. But no worries now! Telecommunication companies have answered your prayers in owning a cell phone despite your financial difficulty through blacklisted cell phone contracts.

How do cell phone contract differ from personal loan? Well, for a start, cell phone contract mainly talks about the gadget and its communication line while personal loan is focused on lending some money. Both are supposed to be paid on a limited period - either prepaid or postpaid for the cell phone and various schedules for money (be it monthly, quarterly, etc.). A blacklisted cell phone contract when not paid will possibly suffer early termination fees (ETFs) wherein the individual is subject to pay right away for the amount that are not yet supposed to be paid or depends how much the company will cost you for the damage done. However, when personal loan is not paid, the debtor will suffer increased amount of interest charges or be faced with summon from legal authorities. Also, if there is someone that stands as a guarantor, that person is also held liable for the payment or punishment. Punishment for being irresponsible with both agreements shall be dealt with.

If you want instant cash, you'll have difficulty finding for blacklisted personal loans because offers are declining in number, possibly because of debtors that are irresponsible. This is why blacklisted cell phone contracts are getting popular because of the large number of people subscribing from it.

With the advancement in technology, blacklisted cell phone contract can now be easily applied to through online application. Just simply check out a telecommunication company's website so you will be accommodated by their staff. You shall be presented with the application form to be filled-up, and be given a list of some pertinent documents to submit. The documents being asked usually include an identification card, proof of residency (e.g., latest water bill), proof of employment (e.g., latest income statement), and a valid bank account. These documents shall be submitted through fax, if prefers online application.


Duration of contract is highly flexible for both types. You can choose for a pre-paid or postpaid cell phone, which differs in its load capacity. With pre-paid, you purchase a certain amount and consummation is limited to such amount, although of course you can always prefer to add or purchase another load so you can continuously enjoy the services offered. On the contrary, in postpaid, you pay your amount by the end of the month either in a fixed amount or not. But with personal loans, there is a different timeframe to choose from - it could be monthly, quarterly, or even yearly. Both deals are advantageous to someone who is not endowed with much wealth. You just have to remember that in whatever deals you engage into, it is advisable to be at your best behavior so as to avoid any problems with misconduct.


For both types of loan application, consumers are given the option for either a short term or a long term contract - depends highly on the foreseen capability by the debtor to pay such financial commitment. With cell phone contracts, there are pre-paid (you purchase a certain amount to be loaded to your number) loading of cell phones or post-paid (you pay the amount consumed by the end of the month) to choose from. Personal loans as well have different timeframes to choose from. The obvious similarity between the two is that both are useful to anybody as long as managed properly. And that, while being engaged to such commitments, consequences like past dues, damage to personal budget caused by compound interest, or litigation due to not paying at all must be avoided at all cost so as to protect one's name and reputation.