Even if your financial transaction performance is insufficient, you can benefit from the loan interest rate with the telecommunications rating calculated through telecommunications bill payment performance and telecommunications company transaction period.
We will introduce how to inquire telecommunication ratings through PINK (T score/SKT telecom rating) and KT financial benefits information site (communication credit rating guide).
What is communication class?
The telecommunications rating is a rating that evaluates the customer’s creditworthiness through the performance of telecommunication service usage, and is reflected along with the credit score in the loan screening process to receive financial benefits such as interest rates and limits. 통신등급조회
However, budget phone users may be excluded from loan products that utilize communication information. Example) Our emergency fund loan 좋은뉴스
1. How to inquire communication class
① PINK app (SKT communication rating): At the bottom of the PINK app home screen · · · More → Credit → T-score inquiry
* Usage records used for T-score: subscription information, fee information, usage information, micropayments, etc.
② KT telecom rating: KT financial benefit information site → Check my telecommunication credit rating → Agree to the terms and conditions → Confirm PASS identity → Check telecommunication credit rating and financial benefits
* If an identity verification error occurs, you can solve it by accessing with Chrome.
tscore-look-result-example
PINK-app-T-score-view-result
2. Utilize communication class
① Interest rate reduction benefits: The benefits of financial products affiliated with KT/Pink vary depending on the communication service usage performance, such as terminal installment payment overdue, communication fee unpaid, etc.
② Raise credit score: You can increase your credit score by registering communication fee payment details that affect the communication rating to All Credit or Nice Jikimi.
– Raise credit score with All Credit: Log in to the All Credit homepage → My Data at the top of the home screen → Register My Data → Register easily → Register communication bill payment details → Check your carrier ID/password → Enter the login authentication number
– Raise Nice Jikimi Credit Score
Log in to the Nice Jikimi homepage → Participate at the top of the home screen → Credit score booster → Apply for credit score booster → Various fees → Register telecom bill payment details → Authenticate yourself safely → Agree to terms and conditions → Confirm ID/password of telecommunications company → Identity verification → Payment history Confirmation → Registration complete
* Affordable phone users are restricted from online registration of Nice Jikimi communication bill payment details.
toss-app-all-location
Naver-Pay-Credit Management-Location
Toss-App (left), Naver-Pay (right)
– Toss app (KCB affiliate): All at the bottom of the Toss home screen → Credit → Raise credit score → Upload communication fee payment details
– Naver Pay: My assets in the middle of the My Wallet screen → Credit management → Raise credit score → Submit general payment details/communication fee payment details
* The information provided by Naver Pay credit management is the credit score of Nice evaluation information.
3. How to manage communication level (payment of communication fee)
You can prevent overdue telecom bills by managing telecom bill card payments and blocking unintentional mobile phone micropayments.
① Nice Jikimi MY Overdue Prevention Service
Log in to the Nice Jikimi app → Click the three lines at the top right of the home screen → My Data → Prevent MY overdue → Link card information/link account information → Select payment information notification period → Register for overdue prevention service
Nice Jikimi MY delinquency prevention service notifies you of the possibility of delinquency by comparing the scheduled payment amount with the payment account balance at the payment information notification time selected by the user.
② Block cell phone micropayments
– KT micropayment blocking: KT homepage → My page at the top of the home screen → Rate inquiry → Micropayment history → Limit change → Blocking
– SKT: Log in to T world homepage → Change at the top of the home screen → Change content service → Change micropayment
– LG U+: LG U+ Customer Center app → Click the three lines on the top left of the home screen → Micropayments/Mobile phone payment → Block/unblock micropayments