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May 27, 2019

Prepaid vs. Postpaid Cell Phones

Having a cell phone is pretty much a necessity in this day and age. If you’re getting ready to purchase a cell phone and plan, you could be wondering how you should go about doing it. You have two main choices when purchasing a phone and signing up for a plan; you can choose either a prepaid phone or a postpaid phone. Asking yourself a few questions will help you determine which option might be right for you.

Do you have good credit?

One question you should ask yourself is about whether or not you have good credit. If you have a low credit score, then you might have to pay a deposit if you choose a postpaid phone. With a prepaid phone, this is not a concern. If you do have good credit, though, you might not have to put down a deposit in order to open your account. You might be able to purchase phones and make monthly payments on them through a postpaid phone company, too.

Would you prefer predictable pricing?

If you aren’t careful, you could end up with overage fees with a postpaid phone plan. If you want to avoid any nasty surprises, it’s important to pay attention to what is and isn’t included in your plan. If you choose a prepaid plan, you also don’t have to worry about receiving an expensive bill in the mail that you were not expecting.

Do you want to finance a phone?

With a prepaid phone plan, you will typically be required to pay cash for the phone that you choose. If you have a postpaid phone plan, on the other hand, you can include the cost of your phone into your monthly payment. If you’d like to be able to purchase a nicer and more expensive phone without paying cash for it, then a postpaid phone plan is probably going to be right for you. If you don’t mind paying cash upfront for your phone, though, it’s worth considering a prepaid plan.

Do you prefer flexibility?

When signing up for a postpaid phone plan, you might be required to sign a contract that you will stick with the phone company for a certain length of time. If you aren’t planning on moving and think you will be happy with the phone plan that you have chosen for a while to come, this isn’t a problem. If you would prefer a little bit of flexibility, though, a prepaid phone might be a better choice.

It’s worth it to look into both prepaid and postpaid phone plans. After all, both options have their pros and cons. With a little bit of planning ahead of time, you can make sure that you make the right choice when purchasing a phone and signing up for a phone plan.

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