- What is the credit limit program?
- How does the credit limit program work?
- When will I be notified that I’m approaching my limit?
- What happens if I reach my credit limit?
- Are there any services that I can't use with a credit limit account?
- Can I remove the credit limit from my account?
- Can I bundle my credit limit account with my other Bell services?
Can I bundle my credit limit account with my other Bell services?
No you cannot. However, you will be able to bundle your account with your other Bell services once the credit limit has been removed from your account.
Last Updated:05/07/2012
What is the credit limit program?
If you’re part of the credit limit program, your Bell Mobility account has a pre-set spending limit for your service.
Bell Mobility offers two credit limits: $200 and $300. If your usage exceeds your credit limit at any point, your mobile service will be suspended and you’ll need to make a payment to restore service.
A credit limit may be assigned based on your credit check and, if applicable, you'll be notified of your limit when you activate your Bell Mobility service.
Last Update:05/07/2012
How does the credit limit program work?
We calculate the amount of credit used by evaluating the following factors:
- Unbilled usage and charges: Unbilled usage includes the airtime, long distance, data and text messages you’ve used but we haven’t yet billed. Unbilled charges include any one-time fees (for example, activation fees or fees for changing your mobile phone number). Monthly rate plan charges are also applied against your credit limit.
- Current account balance: The overall amount of your latest bill.
- Taxes: Applicable taxes on unbilled usage and charges.
- Adjustments and payments: If adjustments have been made, and if payments have been applied to your account since your last bill, the amounts will be subtracted from your balance.¬
| Credit used = | unbilled usage and charges |
| + current account balance | |
| + taxes | |
| - adjustments and payments |
If your amount of credit used is greater than your credit limit, your Bell Mobility service will be suspended. To restore service, you’ll need to make payments until your credit used falls below your credit limit.
The credit limit is removed automatically once you’ve paid six consecutive invoices in full and on time. When this happens, we’ll let you know by sending a text message and a voice message to your mobile phone.
Last Update:05/07/2012
When will I be notified that I’m approaching my limit?
To help you manage your account, you’ll be notified as you approach your credit limit at the following thresholds:
| $200 credit limit | $300 credit limit | Action | |
|---|---|---|---|
| 1st threshold | $150 | $225 | Text and voice message warning |
| 2nd threshold | $175 | $250 | Outgoing calls redirected to us until payment received |
| 3rd threshold | $190 | $275 | Text and voice message warning |
| 4th threshold | $200 | $300 | Service suspended until payment received |
All credit limit notifications are free of charge. Once you receive notification, you should make a payment immediately to avoid service suspension.
If you have a pre-authorized payment plan, remember that payments are charged on a specific day each month. If you're approaching your credit limit, you may need to make a separate payment to avoid going over.
Please note that if your usage increases very quickly and you exceed your credit limit, your account may be suspended without warning.
Last Update:05/07/2012
What happens if I reach my credit limit?
Once your credit limit is reached, your account will be suspended and you won't be able to use your mobile phone.
To restore service, you'll need to make payments until your amount of credit used falls below your credit limit. Depending on your payment method, it may take a few days for service to be restored.
| Payment method | Restoral timeframe |
|---|---|
| Credit card | 30 minutes |
| Online/telephone banking | 3 to 5 business days |
| Western Union | 3 to 4 days |
If you have a pre-authorized payment plan, payments are charged on a specific day each month. You may need to make a separate payment to restore service.
Learn about different ways to pay your bill.
Last Update:05/07/2012
Are there any services that I can't use with a credit limit account?
No. You're able to enjoy all of the benefits of a regular account as long as your balance remains below the credit limit. If you know that you are going to have a lot of usage in a certain month, you can make a prepayment onto your account to ensure you stay below your limit.
Last Update:05/07/2012
Can I remove the credit limit from my account?
The credit limit is removed automatically once you’ve paid six consecutive invoices in full and on time. We will send a text and a voice message to your mobile phone to notify you when it has been removed from your account.
Last Update:05/07/2012
Can I bundle my credit limit account with my other Bell services?
No you cannot. However, you will be able to bundle your account with your other Bell services once the credit limit has been removed from your account.
Last Update:05/07/2012