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Question

Pros & Cons of dropping my ATT service and using a friend's

by Mar 28, 2013 8:20AM PDT

This discussion should be prefaced by telling you I'm not well acquainted with cell plans so please assume you're communicating with a moron. :o)

My friend has a family line smart phone account with ATT and isn't using one of the lines. She asked if i want to drop my ATT service and use hers, but I'm not sure of the repercussions.

I have an iphone 4 and am paying $100 a month for unltd. data, 200 messages, 450 prime time minutes. My friend's plan is unltd. data, messaging, and minutes and will cost me around $60 monthly.

Her contract expires in a year. It sounds like a good deal but I'm worried whether being on her plan will affect my credit rating (or if it will show on my rating at all?) as she has a history of late payment and her service has been disrupted in the past.

Any insight will be appreciated, thanks.

Discussion is locked

5 Posts
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Clarification Request
(NT) oops. I have 900 minutes prime talk time, not 450.
by mrdvc Mar 28, 2013 8:26AM PDT
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Answer
The account owner is your friend, not you
by Mar 28, 2013 2:25PM PDT

So in that respect, AFAIK nly she is responsible for the bill.

If she doesn't pay on time though, you could have your service interrupted. Not worth the $40 savings IMO.

If your 24 mo. contract is not complete, ATT will charge you for leaving early. Keep that in mind as well when prorating staying vs going with your friend.

To save $ why not simply go with a cheaper plan with ATT native coverage, such as the ATT MVNO H2O? Granted, you won't get truly 'unlimited' data, but most folks rarely come close to 2GB/month anyway. See here:
https://www.h2owirelessnow.com/pageControl.php?page=plans&category=W

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Answer
Dropping ATT service
by Apr 5, 2013 8:10AM PDT

To answer the credit question, since she is the one on the bill it will affect her credit. It wont show at all on your credit. but like the other post if she doesnt pay, you wont have a phone.

Also the other post is correct, if you are locked in a contract you can get out of it but it will cost you.

If it were me I would just suffer through to the end then change carriers, you could sell your iPhone when you switch. T-Mobile now has iPhones and their plans are a little cheaper.

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dropping at&t
by mrdvc Apr 10, 2013 11:55PM PDT

Hi betadan,

Thanks for the advice. I responded earlier but evidently it didn't post.

Interruption of service is a concern but hopefully the monthly payments from me will be enough to avoid late payment...that is, if I take her up on her offer.

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As long as the monthly payments from you
by mrmacfixit Forum moderator Apr 11, 2013 9:07AM PDT

are used in the manner that they were intended.

P

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