Recently, more and more financial companies are looking at telecom ratings instead of credit ratings. If you are a person with a higher communication rating than the existing credit rating, there is an advantage that you can use financial products under better conditions.
However, many people are still uㅊㅊnfamiliar with the concept of communication rating, and they do not know exactly what grade my credit rating is.
So, let’s find out what communication class is and how to check it. SKT, KT, and LG U+ respectively. In addition, I would like to introduce two representative financial products that utilize communication grades. 통신등급 조회
What is Communication Class? 좋은뉴스
The telecommunications rating is a rating that the telecommunications company independently evaluates creditworthiness based on telecommunications service information. Usually, it is similar to giving credit ratings from NICE or KCB in financial institutions.
Only the communication grades of SKT, LG U+, and KT are recognized by financial companies, and the communication grades are not calculated for the rest of the budget phone operators.
Telecommunications ratings have received a lot of attention because more and more financial companies are looking at telecom ratings instead of the existing KCB or NICE credit ratings.
Even if I am a low-credit person without a high credit score, if the communication grade is high, there are several financial products that can be borrowed at low interest rates and good conditions.
It’s a pity for budget phone users, but there is no communication level, so you will not be able to use products using communication levels.
Telecommunication class inquiry method: KT
KT provides a service that allows you to check your credit rating on its own financial benefit information site. You can check it on the site below. : Go to the financial information site
When you enter the site, click the “Check my communication credit rating” button to log in with your KT ID or authenticate your mobile phone.
After logging in or verifying your identity, your credit rating will appear. We provide a service that connects financial products available in my communication class.
Communication class inquiry method: SKT
You can check the SKT telecommunication rating after installing the fintech app Finnq. Android users download the “Pink” app from the Play Store and iPhone users from the Apple App Store.
After registering as a member, you must verify your mobile phone number. After signing up, you can check your SKT communication rating directly from Credit > T Score Lookup at the bottom view.
If you have been using SKT for a long time and have used it without overdue, the communication grade is likely to be quite high, and at the same time, it also shows loan products using PINK’s communication grade.
How to query communication level: LG U+
Unfortunately, in LG U+, communication ratings are not immediately searched. In general, your membership level and communication level are proportional, so you can infer your communication level to some extent based on this.
When using a financial company, you can accurately know your communication rating.
If you proceed to take out a loan, the financial company will inform you of LG U+’s communication rating, and you will be able to receive various preferential interest rate benefits with that condition.
How to raise communication level
There are usually two things that increase the communication level. If the subscription period is long and there is no overdue or non-payment, the telecom credit rating will go up. In general, even if there is no delinquency, after several years of use, you can get a high communication grade of 2 to 3 grades.
A long period of delinquency or non-payment with the carrier can also adversely affect your credit score. It is necessary to be careful not to be late or unpaid on mobile phone bills.
Two loan recommendations based only on communication ratings
■ NH Nonghyup All-One Emergency Loan
This product is available for customers using three telecommunication companies. Customers aged 19 or older who have Nonghyup accounts can use the loan, and the limit is up to KRW 3 million as an emergency fund loan. We don’t look at income and tenure conditions, and interest rates as low as 2.87%.
It is a product with a preferential interest rate benefit when the communication level is high, and a preferential interest rate benefit when using Nonghyup credit card. You can apply using the Nonghyup Smart Banking application.
■ Woori Bank emergency fund loan
Anyone who uses the 3 telecommunications companies can use it regardless of employment income. Credit ratings must fall within the CB1-6-section. The interest rate is as low as 3.67%, and the limit is also up to 3 million won.
If the telecommunications grade is high, the preferential interest rate benefits are the same, and it is available at a low interest rate. It can be used in the form of a negative bankbook, so you can easily deposit and withdraw at any time. You can apply through the Wibi Bank app, a Woori Bank application.