Cell Phone Plans

Cell Phone Plans

Cell phones today are a necessity, a way of life, a love for new gadgets and sometimes even a fetish with the teenagers! How you perceive a cell phone is probably dependent on how you use it and how often. What is equally important are the cell phone plans and being able to choose just the right one for you. Choosing the best cell phone plans will allow you the flexibility and budget to suit your needs. Not all individuals have the same needs for a cell phone which is why providers have a variety of options to cater to the various demands of consumers. In order to remain competitive in the market, cell phone service providers often add to their plans and offer specials regularly. Before signing on the dotted line, though, make sure you know what you are getting into in cell phone plans.

Basically there are two cell phone plans that are prevalent throughout the world:

1. The postpaid or monthly cell phone plans - this the most popular and widely used of the two cell phone plans. With a number of variations, monthly cell phone plans give you talking minutes for a fixed monthly charge. If you pay a $49.95 for an unlimited local and long distance calling every month on your cell phone, you are on this plan. Besides providing with the plan, this is the one with a contract of the two cell phone plans. A credit check is a standard norm when applying for a new user connection with a cell phone service provider and depending on your score you get a service and your deposit amount is fixed. A poor credit or no credit like in case of students results in no cell phone service provider offering you a service deposit that it exorbitant.

These cell phone plans also do not offer you unlocked phones, which mean that your phone has settings of that particular provider and is useless if you decide to change services. Though a post paid plan may have a low cost on per minute calls, the annual or sometimes even longer contract that binds you to the service provider often discourages users. In addition, monthly cell phone plans do not turnout to be very profitable for the frequent travelers due to large roaming charges and network usage charges when they enter another service provider's coverage area.

2. Prepaid cell phone plans - perhaps the exact opposite of a monthly plan, prepaid cell phone plans are being increasingly offered and embraced by Americans. The most attractive feature of prepaid cell phone plans is that they do not require a credit check at all. So whether you have a damaged credit or no credit at all, you can use a cell phone. Also since you prepay for your future predicted usage, you are saved from paying any taxes even though you may pay more for calls per minute. Another advantage of prepaid cell phone plans is that you are not required to sign any binding contract with a service provider. Added to this if you have GSM network providers in your area (currently in the US through Cingular and T-Mobile), then you can easily use an unlocked phone with a carrier of your choice and swap or change service providers at your will. This rendered possible by the fact that GSM network provider's settings are embedded in the SIM card and not the phone itself so this card can be from any provider. This makes prepaid cell phone plans the best suited to frequent travelers who use the pay as you go plans to use a local SIM from where they travel. This saves roaming and other network usage charges couples with the taxes you save anyway.

If you know your calling needs well, it is easy to decide which one of the cell phone deals would be the best for you. Each of the two cell phone plans is unique and can be personalized to fit your needs. While a frequent traveler will benefit more from prepaid cell phone plans; if you have family and friends within your provider's local or long distance coverage monthly cell phone plans would be more suited for you.