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Cellphone Upgrade While on Debt Review

Questions & AnswersCategory: Debt ReviewCellphone Upgrade While on Debt Review
zelma Tessner asked 1 year ago

Can I upgrade my CURRENT cellphone contact while on debt review?

1 Answers
Matthys Potgieter Staff answered 1 year ago

Good day,

Thank you for getting in touch.

Typically the cellphone companies will do a credit check to see if you have a good payment history when you apply for a new cellphone contract. In the case of a new application, they will most likely decline your application if you are under debt review.

In the case of an existing contract:

If the line has been disconnected already you will not be able to upgrade – with or without a debt review.

If your mobile contract is included in your debt review your line will also be cut and you will not be able to upgrade. You would typically port your number to a pay-as-you-go sim card.

If your phone contract is critical to your work etc. it can be included in your debt review budget where provision will be made for the monthly amount. In this case, the line will not be cut, and you should still be able to upgrade.

A word of caution. If you manage to upgrade your phone whilst under debt review, make sure the monthly amount is not more than what is provided for in your budget. If the upgrade negatively affects your cash flow, it could have repercussions for your debt review. Always make sure that you are able to honour your debt review payments.

Kind regards