Prepaid vs. contract – how to find your perfect solution (Sponsor)

Mobile phone jungle photo

Hardly anyone is out and about without a smartphone these days. Whether it's an Apple in our pocket or an Android - we use the Internet from anywhere, we make phone calls and chat via messenger. But all of this only works if we have found the right network provider. This is exactly where you will eventually be faced with the question of whether you want to sign a contract or would rather use a prepaid card for your smartphone. We will present the options to you and reveal what is really worth it for whom.

Your mobile lifestyle in focus: prepaid or contract as part of your digital everyday life (Image: Midjourney AI).
Your mobile lifestyle in focus: prepaid or contract as part of your digital everyday life (Image: Midjourney AI).

Why the prepaid tariff is still not out of fashion

To this day, prepaid tariffs are a perfect solution for people who value flexibility and control. Do you remember when you could only buy your credit cards for your prepaid mobile phone in a mobile phone shop or at some gas stations? That has changed. You can top up your credit conveniently online from anywhere with providers such as https://www.cashload.com/prepaid-aufladung and continue calling immediately. Here you can find out the advantages of prepaid tariffs for your smartphone:

  • Full cost control as you always pay in advance.
  • No contract commitment, you can let your tariff expire at any time.
  • No credit check, even if you are in debt you can get a prepaid card for your cell phone.

Who is better suited to prepaid than a contract?

Whether a prepaid tariff suits you depends on your usage habits. Consumer advice center has some valuable tips for orientation, but here you can also get an overview.

Do you only use your cell phone occasionally, make a few calls here and there and don't surf the Internet too much? Then a prepaid plan can be very cost-efficient for you. You top up your credit whenever you need more money. You can then use this to book flat rates or, for example, minute packages that you can use up again.

Good to know: Since a prepaid card always works on a credit basis, it is also suitable for your children's smartphones. You decide how much money is loaded each month and have full cost control for your children.

If you travel a lot, a prepaid plan can also be interesting for you. Sometimes you only need a mobile phone service for a short time, but then you no longer need it. The prepaid card is ideal for this and you have no further obligations when you return.

Navigate through the mobile phone jungle: Find the perfect balance between prepaid and contract (Image: Midjourney AI).
Navigate through the mobile phone jungle: Find the perfect balance between prepaid and contract (Image: Midjourney AI).

The debt factor when concluding a mobile phone contract

Your Schufa report is negative, you still have some old obligations open? You are not alone in this, the Debt in Germany is highThe more negative your credit rating, the less willing your contractual partners are to do business with you. It may happen that you cannot sign a cell phone contract with the network provider of your choice because you still have debts. But you don't have to do without mobility and a good smartphone with a clear connection.

With a prepaid card, you pay in exactly as much credit as you need. You always buy it in advance and thus ensure that no further debts arise. Although you enter your personal data and register, there is no credit check. The contract partner does not incur any financial losses because your credit cannot go into the negative.

Interesting to know: In the past, there were a handful of prepaid cell phones available to buy in fixed bundles. You not only got your SIM card, but also your cell phone. The disadvantage here was that you couldn't change the SIM card because it was permanently connected to the cell phone. That's different today. You can use any cell phone with a prepaid card, so you don't have any disadvantages when choosing the device you want.

Make calls with a contract – when it suits you

Are you one of those heavy users who are practically always on your cell phone? In this case, a cell phone contract will save you money. You will find a large number of extensive minute, SMS and data packages and even international tariffs. One advantage is that contract tariffs often allow free roaming and you also get a subsidized cell phone.

If you have a fixed income, change your smartphone at least every two years and use a lot of data, you'll score points with the contract tariff. You can then use your prepaid card to put it in your second or work cell phone. It is of course also suitable for your tablet if you want to send text messages on it, for example.

Your decision, your mobile phone solution: prepaid and contract in direct comparison (Image: Midjourney AI).
Your decision, your mobile phone solution: prepaid and contract in direct comparison (Image: Midjourney AI).

Contract tariffs have some disadvantages

If you decide to sign a cell phone contract, there are a few things you should consider before making your decision. You are entering into a contract for at least 24 months. If you want to change provider in the meantime, high fees can arise. In addition, you must pass a credit check. If your creditworthiness is not sufficient, it is not uncommon for the telephone provider to refuse to sign the contract.

Weigh up the given options and then decide individually which option suits you better.

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