Tips When Applying for a Phone Contract with Bad Credit

Do you want to get your hands on the latest iPhone or Samsung Galaxy but worried that your credit rating may prevent your phone contract application’s approval? If you have a poor credit score and you’re thinking of applying for a phone contract plan, you may be in for one major complication.

Major carriers in the UK are less likely to approve your application because you are considered a high-risk customer. With your history of nonpayment, defaults or CCJs, they may lose money along the way. But that’s not to say that you don’t have a chance anymore. If you’re serious and you really need a phone contract, there are some things you can do. Read further for tricks and trips to help increase your chances for approval:

Pay the upfront fee

One of the best ways to increase your chances for approval is to lower the risks on your carrier’s end by paying an upfront fee more than what is required. For high-end handsets such as the latest iPhone or Samsung Galaxy models, you better prepare yourself to pay a much larger upfront fee. This is to pay off a huge chunk of the phone’s cost leaving you with a fixed monthly fee that is more affordable. Remember though that paying a larger upfront fee does not guarantee approval. If you’re thinking of going this route, make sure you speak with your carrier first to make the necessary arrangement.

Ask if your carrier accepts a guarantor

If you know someone who is willing to back up your phone contract application, you may want to ask your carrier if they accept a guarantor. As a way to cater to customers with bad credit, some carriers are now allowing guarantors to co-sign the credit agreement. Just like paying the upfront fee, the guarantor lowers the risks for your carrier hence increase your chances for approval. The guarantor must have good credit, however, to be eligible. Once the guarantor, signs the contract, it means that he or she agrees to pay for your fixed monthly fee in the event that you are unable to do so.

Choose older Samsung or iPhone models

If you can’t find a guarantor to co-sign the phone contract agreement and you don’t have sufficient cash to pay for the upfront fee, there’s another option you may want to consider. Rather than apply for the latest iPhone or Samsung Galaxy, you may want to settle for the older models at least for now. Demand for older Samsung or iPhone handsets is usually lower and cost is also cheaper. With a cheaper handset, it follows that your fixed monthly fee will also be significantly cheaper hence higher chances for approval. Provided that you have proof of income and can handle the fixed monthly fee, you can expect to get approved fast.

Inquire about no credit check phone offers

The last resort in our list is to check out no credit check phone deals. Again, as an attempt to cater to people with bad credit issues, these deals exist solely for people who have been refused a phone contract because of poor credit rating. Unlike traditional phone contracts, these deals do not require any credit check. Even if you have bad credit, approval is almost always guaranteed. In fact, you can get approved within the same day you applied provided that you meet the eligibility criteria. If you ready to get approved for a no credit check phone, head over to for more information.


Apple vs. Samsung: A 4-Year Long Patent Dispute

After four long years, a court ruling has finally been made. Apple won the patent dispute, which means that Samsung may need to stop using a couple of features in their old Samsung phones and tablets. According to the court ruling, Apple deserves a marker leg-up. What this basically means is that Samsung can no longer use Apple features such as the autocorrect, quicklinks as well as the slide-to-unlock.

The ruling naturally is great news for Apple. Rather than compete with its own-patented features, the ruling is giving Apple a leverage to cover for the market loss in sales due to rival manufactures copying its own inventions. While previous ruling denied Apple of said leverage, this latest update to the 4-year long patent dispute has finally paid off well for Apple.

While the specifics of the ruling were not completely divulged to the pueblo, from what we can glean it was really about Apple fighting for a leverage that will stop rival companies from using and selling devices with infringed features. Other than the monetary judgments, the recent ruling is now barring Samsung from selling older phones and tablets with infringed features.

Though a huge win for Apple, Samsung has said that it has, at this point, already stopped older phones with said infringed features. When asked about the ruling, Apple’s only response was to reiterate the fact that Samsung did indeed steal and copied ideas from Apple products.

Samsung may consider appealing the court to reconsider the ruling. If that is the case, Samsung may be in for some waiting time for another definite ruling. For now, Apple seems to be in a pretty solid ground what with the court supporting its claims that the infringement issues affected the brand’s sales and market share.


Rumors About the Samsung Galaxy S7

Apple recently launched its latest iPhone offerings. If news are to be believed, the iPhone 6S and iPhone 6S Plus have already been breaking records. Millions have already pre-ordered the units. While Apple is basking in its latest mega success, Samsung is gearing up to create a rival worthy of the iPhone 6S and 6S Plus. Rumor has it that a Samsung Galaxy S7 is already in the works set to launch next spring.

Here’s what we know so far about the Galaxy S7:
  1. Samsung Galaxy S7 may spot a new type of glass cover as supported by the news that Samsung seems to have requested a Turtle Glass trademark. In previous Samsung phones, the brand has used the Gorilla Glass in partnership with Corning. But that’s about to change if the trademark request is indeed true.
  2. While it’s not confirmed if the Galaxy S7 will have a rear and front glass panels, another rumor has said that Samsung may use magnesium alloy this time around. Maybe Samsung will use metal for the back or glass. This one we’ll have to wait for some confirmation first.
  3. With the magnesium allow rumor, it seems like the Samsung Galaxy S7 may ditch the alluvium frame construction of the Galaxy S6. If this true, the S7 will be Samsung’s first ever fully metal smartphone yet.
  4. Another rumor has claimed that the Galaxy S7 may spot a bigger screen. Some believe that this might not be true. With the Galaxy S6 still fresh and very successful, Samsung may not deviate much in terms of design.
  5. As for the camera, the Galaxy S7 is believed to feature a 16MP rear camera while the front camera will feature a typical 5MP one. It’s basically just the same cameras as the S6.
    Apple vs. Samsung: A 4-Year Long Patent Dispute

Battle of Phablets: iPhone 6S Plus vs. Samsung Galaxy S6 Edge+

Last year’s Galaxy S6 was the best smartphone to come from Samsung yet. With its all new sleek design and better features, the smartphone has been dubbed one of the best in the market. In fact, the phone may have overtaken Apple’s iPhone 6 with some top review sites dubbing the Galaxy S6 as the best phone of 2015.

After years of reining the mobile phone industry, it looks like Samsung is finally closing in on Apple, but until when? With the recent release of the iPhone 6S and iPhone 6S Plus, Apple is upping the game even more. In response, Samsung created an even bigger version of the Galaxy S6 Edge they named the Galaxy S6 Edge+. Between these two larger screen phones, which one is really the better choice?

Screen Size

If a phablet is what you want, the first key selling point you should look into is the screen size. iPhone 6S Plus is Apple’s biggest phone yet featuring a 5.5-inch screen with LCD tech and a resolution of 1920 x 1080. The screen also features iPhone 6 Plus’ retina display with an additional exciting and edgy feature, the 3D touch. Samsung’s biggest phone yet, the S6 Edge+, on one hand, features a slightly bigger screen of 5.7-inches. It uses an AMOLED display for a sharper screen with a resolution of 2560 x 1440.


In terms of design, both phones look high-end featuring a sleek look that also feels like every bit its high-end price. For comparison’s sake, you’ll see that the iPhone 6S Plus features a design that is very similar to its predecessor. The few differences include the size, the thickness and the additional color option of rose gold finish. As for the S6 Edge+, there’s no question that it is one of Samsung’s best looking phones to date. It features a thinner design than the 6S Plus.


Both phones are without doubt powerful devices. The S6 Edge+, for example, boasts a powerful processor with 4GB RAM. Whether you’re running basic or extensive tasks and even multitasking, Samsung’s phablet got you covered. The same is true for iPhone 6S Plus. Improving on its predecessor’s A8 chip, the new Apple phablet is more improved with the A9 chip. It is believed to be more powerful and even faster than the A8 chip.


Of course, let’s not forget the camera. To sell the iPhone 6S Plus, Apple went out of its way to boost the phone’s rear camera. The Apple phablet now has a 12MP sensor from 8MP and it has a capability to record a 4K video. The S6 Edge+, on one hand, features a 16MP camera. It can also shoot 4k videos in addition to the optical image stabilization function.

Which is better?

Both phones have their own set of key selling points. One phone may have a better camera while the other a better resolution. Either way, both phones have a great set of features that is sure to meet your needs. In the end, it will boil down to whether you prefer iPhone or Samsung more.


Battle of Mobile Payments: Samsung Pay vs. Apple Pay

With more and more people going and preferring mobile transactions, big brands such as Apple and Samsung only have one option. Cater to the demand by creating a mobile payment platform. With the recent release of Apple’s much talked about iPhone 6S, the giant brand also improved its mobile payment system with the all new Apple Pay. Naturally, Samsung also came up with its own version, the Samsung Pay, to offer iPhone Pay a worthy competition.

Some analysts say the Apple Pay is more superior to the Samsung Pay while others beg to disagree. While not exactly a key selling point for majority of phone users, knowing the difference between these two mobile payments options may prove useful in the end. How do the two payment systems compare and differ? This guide is here for a quick overview.
What are the mobile payment systems for?
The bottom line for both Apple and Samsung pay is one and the same. If you’re the cash or card-carrying type of consumer, these systems let you encode your credit card or debit card info on your smartphone so payments can be made through said smartphone. This also means you won’t need to fumble with cash or credit cards when shopping at retail stores or online.
What are the key differences?
While both payment systems serve one purpose, there are key differences you should know about if you plan to make the most of your smartphone’s mobile payment system.

One of the key differences between Apple Pay and Samsung Pay is the technology used. Apple went with a more traditional route adoption the NFC standard. If the retailer is NFC reader-equipped, only then can you make payments using Apple Pay. Otherwise, you’ll have to take out your credit card or pay in cash.

Samsung Pay, on hand, is more flexible. After Samsung’s acquisition of LoopPay, the brand’s mobile payment system has more edge thanks to the Magnetic Secure Transmission technology that lets consumers pay digitally as if it’s an NFC standard payment. This means more retailers are Samsung Pay compatible beating Apple Pay in terms of technology.

Apple Pay is currently available on the latest iPhones including iPhone 6, 6 Plus and iPhone 6S and 6S Plus. If you have an Apple Watch, you can pair iPhone 5C, 5 and 5S and use them for Apply Pay purposes. Samsung Pay, on one hand, are available on Samsung Galaxy S6 and later models.

In terms of bank support, Apple Pay has an advantage thanks to over 90 banks that support the said system. Once Samsung Pay launches, however, the smaller number of banks supporting it may change drastically. But for now, Apple Pay is currently ruling it in the UK and US.

To make mobile phone payments, both payment systems require authentication using the fingerprint-scanning technology. In this respect, both phones are neck to neck. Samsung and Apple phones use technologies that ensure smooth and secure transactions.

When it comes to availability, Apple Pay obviously has the upper hand, as it is available first than Samsung Pay. Currently, Apple Pay is already being used in the UK and US with plans of expanding the service to other countries sometime in the very near future hopefully.

With Samsung’s Galaxy S6 Edge+ and Galaxy Note 5 releases this September, it wouldn’t be surprising for Samsung Pay to give Apple Pay a worthy competition. The fact that Samsung Pay’s support is wider than Apple Pay may also indicate the former’s ability to overtake the latter. For now, it’s really just a matter of time.


Which Phone is Better? iPhone 6 vs. Samsung Galaxy S6

Last year, Samsung and Apple, two of the most popular and arguably the best smartphone brands in the market, were neck to neck in terms of their latest flagship phone releases. With Samsung Galaxy S6 and Galaxy S6 Edge dubbed as the best Samsung phones yet, it looks like Apple has now a worthy rival to compete with. Apple’s iPhone 6 and 6 Plus, however, are also out to give the competition a harder time. Also dubbed as the best iPhone yet, the iPhone 6 is another impressive Apple offering that has all the bells and whistles.

If you’re stuck in a difficult choice between the iPhone 6 and Samsung Galaxy, this quick guide about the two phone’s key differences should help.


At first glance, you’ll see an immediate change in both phones’ design. After years of sticking with a rather subpar design made of plastic and mediocre materials, Samsung is ready to go all out with a new sleek design that finally shows off the phone in all its high-end quality glory. The Galaxy S6 looks and feels high-end finally giving iPhone 6’s a run for their money. iPhone, on one hand, also embarked on a radical change for its design with latest iPhone 6 now sporting a bigger screen following the latest trend of larger screen phones.


Though Apple has finally embraced the larger screen trend, iPhone 6 in comparison with Galaxy S6 still has a smaller screen. iPhone 6 spots a 4.7-inch screen while Galaxy S6 is bigger and better with a 5.1-inch screen. Other than the bigger screen, Samsung went further by upgrading the resolution beating the iPhone 6 with its shaper display and cutting edge technology.


In terms of performance, the two phones used different approaches. iPhone 6 is equipped with Apple’s A8 CPU and dual-core 64-bit chip with 1GB RAM while the Galaxy S6 went for its own chip, the Exynos 7420 64-bit octacore with 3GB RAM. Looking at just the RAM, you can see right away that Samsung has three times more than what iPhone 6 has. You pick the Galaxy S6 just for that fact but you should bear in mind the RAM speed. Performance-wise, both phones are designed to handle basic and demanding tasks well.


Another key selling point worth a closer look is the phone camera. For the Galaxy S6, the rear camera is 16-megapixel while the front camera is 5-megapixel. The camera also features a single LED flash and optical image stabilization. iPhone 6, on one hand, features an 8-megapixel camera and phase detection. As you can see, the Galaxy S6 seems to have beaten the iPhone 6 in terms of the megapixel at least at first glance. A Good camera however, is more than just the number of megapixels. Whichever phone you choose, you can rest assured that you’ll have a superb camera either way.


Battery life for most people is a major selling point. iPhone 6 has the 1801 mAh non-removable battery while the Galaxy S6 went with a 2550 mAh non-removable battery. Both phones certainly offer longer battery life than their predecessors. With the Galaxy S6’s wireless charging capability, however, more customers may be convinced to give Samsung a try this time around.

Bottom Line

Both phones key selling points are pegged on a sleeker design, impressive cameras, improved performance, longer battery life and a better set of enhanced and new radical features. All in all, At the end of the day, it really boils down to which phone you prefer.