New activation with bad credit

[Joseph Embury]

Why can't a person with bad credit be given a chance, when his/her bad credit was not done with a cellphone provider?

[WelshTerrier · Accepted solution]

Good Day & Welcome to the Bell Community Forum.

The Bell Community is a place for you to ask questions, find answers and share your thoughts with other Bell customers like you. This is a true peer-to-peer community space; as such we do not have access to the rationale & reasoning as to why you were denied mobility service.

In your eyes, that may be how you see it. In the eyes of the credit bureaus, financial institutions & lenders; they may have a somewhat different opinion. 

Credit inquiries, also known as credit checks, are normal and it is expected that you'll apply for credit from time to time. When lenders and others ask a credit bureau for your credit report, they record it as an inquiry.

Your credit ratings are controlled by you & only you. If you are paying your bills in full & on time, then there is no real reason for you to worry about your credit rating.

I can only suggest that you review the following document in its entirety. There is a lot of valuable information in it that may be of benefit & assistance to you.

Credit report and score basics - Canada.ca

Thank you for posting your question.

Take care.

[rvanspronsen]

I'm looking to open a new account (I've been on my friend's account for a while) and have poor credit. Is there a maximum amount for a security deposit? I have heard different numbers between $200 and $500. Has anyone paid more then $500

[WelshTerrier · Accepted solution]

Good Day & Welcome to the Bell Community Forum.

This is a community forum; a peer-to-peer web site. As such, we would not have access to account & billing details. Bell's security deposit amount varies depending on the specific service and your credit history. Issues such as this cannot be solved on the Bell Community Forum.

Bell may require a refundable security (or safety) deposit because of a credit rating or usage charges. This may happen at any time during the term of your service agreement. They should be providing you with a reason for the deposit. 

I have included a copy to this information that is readily available on Bell's website.

What is a security or safety deposit? (bell.ca)

If you wish to discuss this further, it is best that you contact Bell Customer Service: 1 800 667-0123 or dial *611 from any Bell mobile device or for prepaid, call: 1-888-537-9999

Take care.

[Dwg]

I have been a bell customer for over a year, never paid my bill late not ever yet I still am being asked for a down payment for items such as an watch ultra or an iPad Air or iPad Pro, yet I got two iPhone 15 pro max and two lines without a down payment when I first signed up before I had any record with bell. Why am I being treated as I am not worthy? I was with Roger’s and they gave me whatever I wanted 0$ down and I came to bell cause I was told it was better. I’m begging to think that I should have stayed with my previous provider. 

[WelshTerrier]

The Bell Community is a place for you to ask questions, find answers and share your thoughts with other Bell customers like you. This is a true peer-to-peer community space; as such we do not have access to the rationale & reasoning as to why you are being asked for a security deposit.

Bell may require a refundable security (or safety) deposit because of a credit rating or usage charges. This may happen at any time during the term of your service agreement. They should be providing you with a reason for the deposit. 

I have included a copy to this information that is readily available on Bell's website.

What is a security or safety deposit? (bell.ca)

If you wish to discuss this further, it is best that you contact Bell Customer Service: 1 800 667-0123 or dial *611 from any Bell mobile device or for prepaid, call: 1-888-537-9999

If necessary, you can ask to speak to a manager. She should be able to provide you an explanation.

Take care.

[dks]

Any company reserves the right to not sell you their product on credit. Their risk, their decision. 

[Korea]

I’m posting here because I had an extremely confusing experience while trying to set up a new Bell Mobility line.

When attempting to order a new device, I was suddenly told that I must pay a $500 security deposit, refundable only after six months. This requirement makes absolutely no sense in my situation:

I already have Bell Home Internet

I was trying to set up a Mobility + Internet bundle

I have no credit issues

Despite explaining all of this, insisted that the deposit was mandatory?

I’ve never been asked for a deposit by any carrier before, and I don’t understand why Bell would require $500 from a customer with a solid payment history and an existing Bell Internet service?

I’m hoping someone from Bell can review this situation, clarify why this deposit was requested, and confirm whether this is truly necessary for a customer with my profile. This experience has been extremely disappointing, and I’d appreciate a proper explanation.

Thank you.

Regards,

Jerry

[dks]

Thank you for your question. As this is a peer to peer web site, we have no access to your account and your billing details. You will have to discuss this matter with Bell directly. You can find more information on your question in this forum thread. 

[Korea]

Thanks for your message. I’ll visit a Bell store soon to sort this out, and if it doesn’t work, I’ll move forward with another carrier. Thanks again and Happy Holidays!

[WelshTerrier]

The Bell Community is a true peer-to-peer community space; as such we do not have access to the rationale & reasoning as to why you are being asked for a security deposit.

Bell may require a refundable security (or safety) deposit because of a credit rating or usage charges. This may happen at any time during the term of your service agreement. They should be providing you with a reason for the deposit. 

Generally speaking, when the conditions justifying the deposit have changed (typically, when you make six monthly bill payments in a row, in full and on time) the security deposit is applied to any outstanding balance owing or refunded to you.

I have included a copy to this information that is readily available on Bell's website.

What is a security or safety deposit? (bell.ca)

If you wish to discuss this further, it is best that you contact Bell Customer Service: 1 800 667-0123 or dial *611 from any Bell mobile device. If necessary, you can ask to speak to a manager. She should be able to provide you an explanation. If more convenient, you can also visit a local Bell store in your community.

Take care.