It is very important for you, as a phone user, to ensure that you pay your phone bills on time. If you fail to pay your phone bills on time, there may be unpleasant consequences. For one, if you fail to pay your phone bills on time, you are likely to be disconnected. Moreover, if you fail to pay your phone bills on time, you may be penalized. And it can get worse: for if you develop a habit of paying your phone bills late, your credit score could be adversely affected. We will now proceed to discuss, at greater length, each of the negative consequences of failing to pay your phone bills on time:
On the risk of being disconnected
If it becomes clear that you have totally refused to pay your phone bills, then the phone service providers/carriers will have no other alternative but to disconnect your line. Once you are disconnected, it would mean that you would be out of reach. People calling your phone number would be met with a tone indicating that the phone number is ‘out of service’. So you would be unreachable. This can trigger other negative consequences. For one, it can lead to loss of opportunities. Some of the people calling you may turn out to be individuals who wanted to offer you opportunities to earn money. But now that you are unavailable, it would mean that you would miss out on those opportunities… All that on account of your phone having been disconnected due to delayed payment of bills.
Your family members and friends trying to reach you through the phone line would also be unable to do so. That can potentially lead to a situation where you miss out on important family news.
You may actually find yourself being a victim of the disconnection: like where you are unable to make an emergency phone call, after having had your phone line disconnected. Or it may be a lighter situation, where you lift the phone handset (the way you are used to), ready to make a phone call – only to remember that it was disconnected due to non-payment of phone bills…
Phone service providers/carriers’ policies on disconnection differ a great deal. There are some carriers who will disconnect you if you are just one week late in paying your phone bill. There are others who allow you up to three months (or even longer), before finally taking the difficult step of disconnecting your line. How soon you get disconnected also depends on the type of phone plan you have subscribed for. If, for instance, you have subscribed for a prepaid plan, it can mean that you would be unable to make phone calls as soon as the ‘credit’ in your phone runs out. You may still be able to continue receiving phone calls through the line, but you would be unable to make any calls until and unless you reload the ‘airtime’. On the other hand, if you are on a postpaid plan, you may be able to continue making and receiving phone calls for some time after the date when you were supposed to make the payment. But then a point would soon or later come when the service providers would have to disconnect you.
If it is a landline service you are using, they may come to make a physical disconnection. But with advances in technology, it is not always necessary to make a physical disconnection nowadays. On the contrary, these days, phone service providers have the option of disconnecting you through their software systems. Then you would find yourself unable to make or receive phone calls, in spite of the actual physical connections still being intact.
On the risk of being penalized
Most of the phone service providers/carriers will impose a penalty on you, if you are late in paying your phone bills. Therefore, if you are late in paying your phone bill, you will end up paying more than you’d otherwise have had to pay (if you did so in a timely manner). Usually, the arrangement is one where the longer you delay in making the phone bill payment, the greater the penalty imposed on you. Like if, for instance, you had delayed in making your phone bill payments for so long that the line was disconnected. To get it reconnected, you’d have to pay a very considerable amount of money.
It therefore becomes clear that if you develop a habit of paying your phone bills late, you are likely to end up spending very huge sums of money on penalties. Yet these are penalties you can easily avoid, if you train yourself to be paying your phone bills in a timely manner.
On the risk of ruining your credit score
Nowadays, utilities vendors (including the phone service providers/carriers) have developed a tendency of reporting people who totally fail to pay their bills to the credit bureaus. Therefore if you go for too long without paying your phone bill, or if you develop a habit of making your phone bill payments late, you could be reported to the credit bureaus. The ultimate result would be a drop in your credit score.
The drop in your credit score can, in turn, have other rather nasty consequences. For one, it can lead into a situation where you are unable to access bank loans. That can in turn lead to poverty – because the only way people finance key assets is (usually) through bank loans. Therefore if your poor credit score (caused by your inability to pay phone bills on time) makes it impossible for you to access bank loans, this would mean that you would be unable to buy assets. And that would translate into poverty – including possible homelessness in the future.
Talking of homelessness, it is worth noting that most landlords nowadays demand to see the credit scores of prospective tenants, before renting their properties to them. Therefore your low credit score (caused by your inability to pay phone bills on time) can lead to a situation where you are unable to get a house to rent. Or at best, it can lead to a situation where you are unable to find a decent house.
We also have the fact that employers nowadays look at prospective employees’ credit scores, before hiring. It has become part of the background check. This therefore means that your low credit score (caused by your inability to pay phone bills on time) can lead to a situation where you would be unable to find employment.
Clearly then, the consequences of failing to pay your phone bills on time can be dire.