I don't qualify for R299/m contract.

I

InternetSwag

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Hm.

Bullet Points as this is a lot to read;

> Have p8 lite for 3.5 years, great phone, but busy breaking
> See p20 lite and think, nice replacement
> Contemplate buying one and see Vodacom contract
> 299/m with R120 airtime notbad.jpeg
> Total cost is R7100~ after 24 months vs R5999 if I buy it cash (Takealot)
> Go and apply at Vodacom
> Get told I can leave with device today (It's 3:45 PM)
> Get told process takes 4 hours and ill know by tomorrow
> Expecting phone call - no call.
> Wait 4 hours. Call Vodacom. Nobody knows me.
> You have my ID, phone number (im a vodacom customer) and CC details, but sure, you don't know me.
> Get told I have to wait they'll get a guy to call me
> 3 hours no call
> Call again, they say guy who was helping me is busy with customer and will call back ASAP.
> No call, he left and went home.


Okay? You don't want money? Thnx Vodacom

> Go to cellucity, maybe it's faster/better service
> Better service definitely
> Ask if I can do it through them, sure no problem
> Nobody calls me back
> Call them, guy who helped me went home already
> Ask new guy to help me
> Says I was declined
> What
> Says I only qualify to buy the device up front and I can buy the airtime package at a reduced rate.
> Thanks champ, that's just what I had in mind, buy a phone cash and then still pay for it regardless.
> Write an email stating that I want to know exactly what in the T&C's says I'm declined.
> No response
> First guy communicates with me saying they're working on it.
> Get SMS from Vodacom 2 days later saying 'My profile and vetting etc has been approved'
> Goodnews.jpeg
> Time to get phone yea boi
> Get told I was approved.
> But not for the tariff I applied
> I don't qualify for R299/m
> Wat

8nSHmmu.gif


To be fair, they did say they would see if they could get my tariff's increased. But, the fact that I don't qualify for R299/m is ridiculous.
I can piss R300 out in seconds. I could probably earn R300/day begging on the street if I wanted to. I only did this for the convenience and the extra airtime is a bonus and the idea of a new contract 2 years down the line sounds quite legit. Upgrade every 2 years? Yes please. But hey, who wants my money?

All in all, it's not really an issue, I'll just buy one cash if I have to, but it's the principle of it. Why don't you want my money. I've got barely any expenses every month, I sure as hell earn enough to pay R300/m.

In fact the lack of expenses might be the issue? I have never had any debt other than a Capitec Loan and a Gym Membership and I've never missed a payment.
 
In fact the lack of expenses might be the issue? I have never had any debt other than a Capitec Loan and a Gym Membership and I've never missed a payment.
Click to expand...

That is the system. Even though you do not require credit, you have to play the game and build a credit rating.
 
InternetSwag said:
In fact the lack of expenses might be the issue? I have never had any debt other than a Capitec Loan and a Gym Membership and I've never missed a payment.
Click to expand...

So what is your credit score like?

Experian (free report has scoring):
https://www.creditexpert.co.za/

XDS (free report has scoring):
http://www.credit4life.co.za/

If you don't mind paying:

Transunion (have to pay for scoring, free report doesn't have scoring):
https://mytransunion.co.za/

Compuscan (have to pay for scoring, free report doesn't have scoring):
https://www.mycreditcheck.co.za/

For a paid credit report that checks XDS, Transunion and Experian at R79 you can go to any Checkers or Shoprite MoneyMarket counter or you can do it online:
http://www.kudough.co.za/shoprite_partner.aspx

For a paid credit report that uses all 4 the credit bureaus mentioned you can use the below link to buy it online for R99:
https://www.credithealth.co.za/complete-credit-report.htm
 
Last edited:
I had same issue when I just started working, had pay in on contract to build my credit history.
 
I got rejected the first time I tried to open a Vodacom contract. It was within a few months of the start of my first job, the monthly expense was trivial, and my total expenses came to less than half my salary. When the attendant saw the result, he called in a manager to pull a few strings, and a few days later they approved the contract.

Their system can kick up errors if you don't have a credit history.
 
This whole credit score thing is such a waste of time.

I had a car on 48 month finance. When I settled it in 24 months my score was 95. I have no other debt. During the next year I continued to buy everything on my credit card and settled the card every month. 2 cell phone contracts and, back then, DSTV premium. By the end of the year I queried my credit score. It had dropped to 81. I bought another car on finance and it jumped back to 90 within 2 months. I will easily settle the finance in half the term. My score will plummet again.
 
You can ask for a decline review or portfolio adjustment if you were either declined or the portfolio you were approved on does not allow for the package you want. When this is done Vodacom might request to see further documents and a actual person will then have a look at the application and documents and then make a call on it. As standard the system will decide if you are approved and if so, what portfolio you qualify for taking the credit vetting details and credit score on the Credit Bureaus.
 
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