Let’s look at how to cancel and pay, starting with the conditions for suspension of non-payment of mobile phone bills. If you become a telecom delinquent, not only will your credit be affected, but you will also be suspended for non-payment of cell phone bills. There are people who think lightly of non-payment of cell phone bills, but you should consider it important because arrears in cell phone bills can also cause disadvantages to your credit.
Cell phone bill unpaid inquiry
Unpaid mobile phone bill inquiries can be checked for each carrier. However, since it can be a little cumbersome to search by carrier, we will tell you how to search all at once.
All three telecommunication companies (SK, KT, LGU+) can be checked. However, payment of unpaid fees cannot be made on the site.
How to check cell phone unpaid bills
You can check unpaid charges on the credit information joint management website.
Telecommunication delinquent charge inquiry
Access to the credit information joint management service site
– If you provide credit information to the site serviced by the Korea Information and Communications Promotion Association, you can inquire about unpaid charges accordingly.
First screen > Select ‘Check your credit information’
Access to personal (credit) information and consent to terms and conditions
– You must agree that the association will view your personal information.
identity verification
– I-PIN, general-purpose certificate, credit card, or mobile phone authentication (however, co-certificate is not allowed)
Check overdue information
– You can check the current overdue information, and if credit information is registered, it may not be possible to open a mobile phone installment payment, so please take action quickly.
Conditions for suspension of non-payment of mobile phone bill
It is said that lately, there has been a lot of delinquent cell phone bills. In case of delinquent payment, all three telecommunications carriers, KT, SKT, and LGU+, will receive a 2% penalty on overdue bills. However, there may be differences in suspension conditions for each carrier.
SKT (SK Telecom)
If payment is not made even after 2 to 3 months have passed since the unpaid bill occurred, the call will be suspended. After that, if 5 months have elapsed since payment has not been made, the termination will proceed ex officio. If you do not proceed with payment even after the termination of authority, collection of unpaid charges will proceed.
In the case of SKT, for socially disadvantaged people such as basic pension recipients, the call suspension period is longer than 14 days, about 60 days, so please refer to it and receive detailed information during consultation.
KT
Just as credit ratings and payment patterns are different for each member, different standards such as suspension of outgoing calls are all applied. However, in the case of ex officio termination, it is the same as that of SK Telecom. Please note that it will be made after 5 months of non-payment.
LGU+
In the case of LGU+, when unpaid bills occur, customers are notified to pay for a period of about a month. If you do not pay the fee after that, you will be subject to a call suspension procedure. The parts that have been organized so far have been the contents of the cancellation in case of unpaid bills by telecommunications company.
Disadvantages of unpaid mobile phone bill
If the payment is delayed for a long time, sanctions will be imposed from the telecommunications company and the insurance company as follows.
Suspension of outgoing > Debt collection > Suspension of reception > Ex officio termination > Debt transfer from guarantor insurance company
Termination of authority means that you have lost ownership of the number. In the case of transfer of bonds to the guarantee insurance company, if the telecommunications company has controlled the delinquency in the meantime, after the transfer to the guarantee insurance company, the installment payment due to the opening of the mobile phone installment payment must be repaid in a lump sum.
Credit rating downgrade when cell phone bill is not paid
There is no decrease in credit rating by one or two months of overdue. It depends on the telecommunications company, but if the authority is terminated, the ownership of the mobile phone number is lost, and if the bond is transferred to a guarantee insurance company, from then on, it is not a simple delinquency, but a personal credit rating agency (All Credit, Nice), etc., and the credit rating is lowered.
Prolonged cell phone delinquency also makes normal credit transactions impossible due to a rapid credit rating decline, such as general credit card delinquency and loan repayment delinquency.
Stop sending and receiving
It depends on the overdue amount, but in general, sending is suspended after 2 months of overdue, and even receiving is suspended after a few days. You can receive collections from debt collection agencies such as Mirae Credit Information and Korea Credit Information before being suspended, so it is quite tiring. Restrictions on communication use by telecommunications company follow the procedure below.
KT: Differential response according to personal communication rating and telecommunication transaction details, but usually stops sending after 2 months overdue > stops receiving > terminates authority after 5 months overdue
SKT: Strict response compared to other telecommunications companies, suspension of transmission after 2 months overdue > suspension of reception after 14 days > termination after 5 months
LG U+: Suspension after 1 month overdue > Ex officio termination
Cell phone bill unpaid suspension Payment method
Generally, if overdue for more than 3 months, it is registered with the credit information collection agency, and after 5 months, the authority is revoked, and after that, each telecommunications company is handed over to the debt collection agency and is pressed. If you do not proceed with payment despite this reminder, you will be taken to legal action, so it is best to proceed with payment as soon as possible if circumstances arise.
In addition, in the case of terminal installment payment, it is transferred to Seoul Guarantee Insurance, and you will be notified that if you do not pay in full, you will be listed as delinquent. However, if you pay in full or in installments, it will not be listed on your credit information. In the case of communication charges, it takes a long time to be listed on credit information, so it is better to proceed with payment even during that time. If you have already transferred to Seoul Guarantee Insurance, it is recommended that you apply for installment payment so that it is not listed on your credit information.
If you want to check the overdue communication fee, you can check it right away by checking the overdue fee.
Telecommunication delinquent charge inquiry
How to cancel cell phone unpaid suspension
In case of non-payment of the mobile phone bill, the response method is different depending on the carrier. Usually, a grace period of 1 month to 2 months is given in case of non-payment of communication fees, but this is not unconditionally applicable. If you have a lot of unpaid bills or if you have not paid back small payments, you may be stopped immediately.
In this case, there is a way to talk about urgent circumstances through the customer center of the mobile phone carrier and ask for the suspension to be lifted. Please note that this is not unconditional. Also, there is a way to cancel the suspension by paying off the unpaid cell phone bill through a microloan, but we do not recommend it. It can be burdensome to take out a loan to pay interest and principal when you are not in a situation to pay your cell phone bill. I hope you understand that there is a way to do this.
Mobile phone unpaid loan (communication unpaid loan)
The mobile phone communication fee also affects credit, so I told you that you need to manage it well. In particular, it is recommended that you pay the terminal installment and micropayment fees first if you are in arrears (non-payment) for telecommunications fees, as delinquent terminal installments and micropayments have a great impact on your credit rating.
Where can I get a cell phone loan?
Apple loan telecom delinquent loan (Seoul Guarantee Insurance delinquent loan)
8% personal credit loan (P2P delinquent loan)
Rush & Cash mobile loan (loan for long-term delinquents)
Shinhan Card instant loan (loan for short-term delinquents)
National Happiness Fund Micro Loan (loan for delinquents with bad credit)
Apple loan unemployed loan (mobile phone suspension loan)