Let’s look at how to look up communication ratings. The telecom rating is based on the usual telecommunication company transaction history, bill payment history, and micropayments. Recently, with the launch of financial products that can be approved only by the telecommunication rating, it has become as important as the credit rating. These products will not have a high limit, but they have a great advantage that they are available to those with low credit ratings or unemployed.
Content [hide]
1 What is communication class?
2 Communication class inquiry
2.1 SKT Communication Rating Inquiry Method 통신등급 조회
2.2 KT Telecom Rating Inquiry Method
2.3 LG U+ / How to look up the communication rating of affordable phones 좋은뉴스
3 telecom grade loan
4 Overdue telecommunication bills, will credit rating drop?
What is communication level?
Telecom rating refers to a rating that evaluates the creditworthiness of customers based on information such as bill payment details of SK, KT, and LG U+ customers. In particular, it is used as an indicator for loan products that are evaluated only with telecommunication ratings released a few years ago.
Recently, domestic credit rating companies such as Nice and All Credit are also using telecommunication data. You can raise your credit score by submitting your communication rating details in the [Raise Credit Score] menu on the Nicena All Credit website. This means that even if you manage your telecommunications rating well, it will help you when you get a loan. Unemployed people with low credit ratings, college students, and housewives can also help when they need a loan.
Communication class inquiry
Currently, SKT and KT are providing communication grade inquiry platforms. Unfortunately, LG U+ does not provide a separate platform or service to query communication ratings. In addition, communication grade is not granted to low-cost phone users.
SKT communication rating inquiry method
SKT communication grade is available in the PINK app.
>Download the Android version of the PINK app
>Download the iPhone version of the PINK app
Communication class inquiry
Launch the PINK app
More three dots in the bottom right
Credit-T Score Lookup
When you search, you get a score. The higher the score, the better the interest rate. You can also check out customized loan products, so please take advantage of them.
KT communication rating inquiry method
You can check how to view KT telecom ratings on the ‘KT Financial Benefits Information Site’, but simple authentication is required.
telecom grade loan
Access to the KT financial benefits information site
Click Check My Telecom Credit Rating
Log in or verify your mobile phone number
After completing the above procedure, my communication level will appear. Like SKT, it introduces loan products that can benefit from interest rates.
>Go to KT Financial Benefit Information Site
How to look up LG U+ / budget phone communication rating
There is no way to query the communication rating of LG U+ and Aldulphone. However, the communication grade is measured high if there is no communication fee overdue history.
telecom grade loan
As explained above, a product that can receive a loan with only the telecommunications grade has been released. Representatively, there are Nonghyup Allone Emergency Fund Loan and Woori Bank Emergency Fund Loan.
Nonghyup All One Emergency Loan is a product that can be applied for up to 3 million won 365 days with only the Nonghyup app and account. There is no prepayment fee, so it is useful when you need a small amount in a hurry.
Product Name Allone Emergency Loan
Loan amount 500,000 won – 3 million won
Loan period up to 3 years
Loan interest rate as low as 5.17% per year
>>Learn more about Nonghyup Allone Emergency Loan [Click]
Woori Bank’s emergency fund loan is a product that has the great advantage of being sold by the first financial sector. If you are a customer using 3 telecommunication companies or CB grade 1 to 6, you can apply for up to 3 million won with your smartphone.
With the minus bankbook method, you can use only as much as you need and pay interest, so you can use funds flexibly. If you borrow 3,000,000 won and apply the minimum annual rate of 6.16%, the monthly interest is about 16,000 won.
Product Name Woori Emergency Loan
Loan amount 3 million won
Loan period up to 12 months
Loan interest rate as low as 6.16% per year
>>Check Woori Bank emergency fund loan terms [Click]
Overdue telecommunication bills, will credit rating drop?
Some people are confused about whether overdue telecom bills will lower their credit rating. In the past, there were times when the use of financial institutions was affected by overdue communication charges such as internet bills and landline phones.
However, since July 2016, it has been changed so that no overdue history is left when repaying telecommunication fees of more than 100,000 won and less than 300,000 won within 30 days. It is said that it was judged to be unreasonable to affect the credit rating only with the communication fee overdue. Therefore, simple cell phone bill overdue, internet bill overdue, etc. will not lower your credit rating.
However, you should be careful if the [terminal fee] is included in the mobile phone bill. The mobile phone terminal installment payment is managed by [Seoul Guarantee Insurance], not the telecommunications company. If the terminal installment payment of KRW 100,000 or more for more than 3 months is unpaid/overdue, the information on overdue will be registered with Seoul Guarantee Insurance.