What is the credit limit program?

What is the credit limit program?

The Bell Mobility credit limit (formerly called the spending cap) is a pre-set spending limit applied on some accounts.

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:19/08/2011

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).
• 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.¬

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.

Last Update:19/08/2011

When will I be notified that I’m approaching my limit?

When you are notified depends on the credit limit that is assigned to your account. Your contract lists the notification levels for your account.

Example

If your credit limit is $200, you'll receive notifications as you use up your credit and reach the following thresholds:

• $150 - text and voice messages regarding credit limit
• $175 - outgoing calls will be redirected to us until payment is received
• $190 - text message regarding credit limit
• $200 - service is suspended until payment is received

To restore service after a suspension, you’ll need to make payments until your amount of credit used falls below your credit limit.

All credit limit notifications are free of charge.

Last Update:19/08/2011

What happens if I reach my credit limit?

We will send you a text and a voice message when your account is nearing the credit limit. You should then make a payment to avoid service disruptions.

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 your credit limit.

Learn about different ways to pay your bill.

Last Update:19/08/2011

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:19/08/2011

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:19/08/2011

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:19/08/2011