Paying attention to the payment of zero yen to the smartphone, parents are delinquent and the credit information of the children may be hurt and the government publicity is alerted

"Please pay attention to delinquency when paying dividing mobile phone fee, so government credit information online calls attention because it is possible that your credit information may be hurt." The biggest point of this caution is that the credit information other than the person who is not delinquent may be hurt.

Please pay attention to delinquency when paying mobile terminal fee by dividing There is a danger that your credit information may be hurt: Government Public Information Online
http://www.gov-online.go.jp/useful/article/201301/3.html

According to the government spokesperson, because smartphones are more expensive than traditional mobile terminals, cases of delinquent payment of cell phone handset payments, especially young people, resulting in inability to make credit cards or loan can not be added It is said that it is.


Because there are many cases that it is misunderstood that why this happens is that "monthly charged amount is only communication fee." Actually, monthly communication charges include installment payment "mobile terminal fee" and "smart phone terminal fee" in installments,Even in the case that "the transfer of communication charges for this month was delayed and resulted in delinquency as a result", in fact, it has become a process of "delinquent installment payment", That's why.

The reason for this is that installment payments and installment payments that are commonly seen in mobile phones / smartphone real zero circles are called "credit agreement", because they are supposed to have a contract with a credit company. In the case of cash lump sum payment, payment will be made directly to the dealer, so it will not be a "credit agreement".


When the payment to be paid by division is delinquent, the information "delinquent" is recorded in the designated credit information agency,If payment is delayed for three months or more, even after all payment of the credit contract has been completed, information that the customer has been delinquent in the database of designated credit information agency for 5 years will be registered. Furthermore, since this registered information is also used by other credit companies, there is an adverse effect such as being unable to pass the examination when credit cards and various loans are newly submitted if there is delinquency information.


Only with this alone can be done with the self-responsibility of the person himself delinquent, but the problem is when the parent gives the child mobile phone · smart phone to the child.In the case of subscribing for an installment payment agreement for a mobile phone terminal under the name of a child and paid by a parent or guardian, when a parent is not paying a payment, a record that "child was delinquent" is registered to the designated credit information agency. As a result, that child automatically gets credit information hurt.

According to the government spokesperson, "If you already have a mobile phone terminal installment contract under the name of a child, you can change to a contract under the name of a guardian by offering from yourself or a guardian so sign up Please contact your mobile phone company ", so it may be better for you to check your contract details once, but in the first place that it is such a" credit contract "to each mobile phone carrier It may be ahead of you to explain beforehand exactly when contracting.