T-Mobile Is Making Changes To Its Customer Credit Policies That Could Make It Easier For You To Get Better Deals





T-Mobile is changing up its customer credit policies, eliminating “credit classes” and switching to “Credit Limits” to form a more tailored fit for each postpaid account. 

Previously, T-Mobile did a credit check for new postpaid accounts when a new member signs up for service. The credit check would dictate a credit limit per customer and also determine the maximum number of lines a customer could add to their account before a deposit would be necessary. The credit limit determined the customers’ finance options for T-Mobile devices.

Under the new changes, T-Mobile will run a new credit check on active accounts after 6 months and continue regular checks on a yet-to-be-disclosed schedule. As reported by The Mobile Report, the new changes coming to T-Mobile were outlined as follows:

What’s New With Credit?

  • Moving to personalized credit limits gives our customers the opportunity to reach “well-qualified” financing options through positive account history with T-Mobile.
  • Credit and line limits will be re-assessed beginning 6 months after activation and on a recurring basis for the life of the account.
  • In addition to Voice and MI Data, a new view will provide IoT and HSI deposit, down payment, and line availability details all at once.
  • We’re moving away from using credit classes in our postpaid billing systems and will now evaluate internal credit on an ongoing basis.

The new regular credit checks are an internal T-Mobile process and will not run as the initial credit check does, meaning you won’t be seeing any inquiries pop up on your credit score. The new policy does not include Prepaid and Metro plans.

Basically, the company will be looking at any missed or late payments. If you pay your bill in full each month, you could go from “not well-qualified” to “well-qualified” and improve your T-Mobile financing options, even adding more lines if previously unqualified to do so.

T-Mobile is launching the new credit limit checks starting June 21st, 2023.

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