Telecommunications rating is a rating used by telecommunications companies to determine the creditworthiness of mobile phone users. Recently, the range of use is gradually widening to the extent that telecommunication grades are being used for loan review. So today, I will introduce in detail how to look up and raise the communication rating.
In addition to this, we will also introduce the top 3 telecommunications grade loan products. In addition, we will organize all the alternative products that can replace telecom grade loans, so if you need a loan, please check this article to the end. 통신등급 조회
Table of Contents 좋은뉴스
What is communication level?
Communication class inquiry method (SKT, KT, LG U+)
How to raise communication level
Telecom Grade Loans – TOP3 Products
Telecom Grade Loan Alternative
Closing remarks
What is communication level?
Telecom rating refers to a rating that evaluates a customer’s creditworthiness based on information such as bill payment details of customers of the three telecommunication companies (SK, KT, LG U+). These telecommunication ratings have recently been widely used in loan review.
Therefore, if the communication rating is managed well, the unemployed, housewives, and college students who lack financial transaction performance can receive a lot of help when using loans.
In fact, not only the telecommunications grade loans that will be introduced this time, but also the products that use telecommunications ratings for loan screening are increasing.
In addition, NICE and KCB, the largest credit rating agencies in Korea, are also using some telecommunication data for their credit scores. In fact, you can increase your credit score by providing details of communication charges to credit rating agencies through the “Raising Credit Score” menu on the NICE and KCB websites.
In conclusion, if you do not overdue telecom bills and pay steadily, you can enjoy the following benefits.
Even if your credit score is insufficient, you can use a loan using your telecom rating.
It can also help improve your credit score.
However, the unfortunate part is that until now, only those who are using the three telecommunication companies (SKT, KT, LG U+) can calculate the communication grade. Therefore, those who use the ‘affordable phone rate plan’ cannot receive these benefits because the communication level cannot be calculated.
Communication class inquiry method (SK, KT, LG U+)
1. SKT communication rating inquiry method
SKT communication rating inquiry is possible through the fintech company ‘Pink App’. The reason is that a company called ‘Pink’ is a joint venture between “Hana Financial Group” and “SKT”.
SKT’s communication rating is also called “T-score”. The inquiry method is as follows.
Run 「Pink App」
Select the [More] menu at the bottom right
Select [Credit] > [T Score Search]
Check your communication level (score)
SKT-communication level-inquiry method
Inquiry method
The image above is the way I looked up the communication rating because I am using the SKT telecommunications company. If you follow the procedure above, you can easily check your SKT communication rating (T-score) like I did.
2. How to look up KT communication ratings
You can easily check the KT telecom rating on the 「KT Financial Benefit Information Site」 homepage. You can search by following the procedure below.
Connect to the KT financial benefits information site (service.fintech.kt.com)
Select [Check my communication credit rating]
Agree to Terms and Conditions
mobile phone authentication
Check your own KT communication level
3. LG U+ communication rating inquiry method
Among the 3 telecommunication companies, ‘LG U+’ does not yet have a service that can inquire the telecommunication rating of customers. However, it is possible to predict without looking up.
In other words, if you look at the contents of “How to raise the communication level” that I will guide you next, you will be able to predict which people will have a higher communication level than LG U+.
How to raise communication level
So far, the period of using the communication rating is short, and there is no accurate information from the three telecommunication companies on how to raise the communication rating. So, there is not a lot of evidence.
However, in the case of ‘T Score’, which is SKT’s telecommunications rating with the highest market share in Korea, some information can be found.
So, in this article, I will introduce how to raise the communication rating based on the data from ‘SKT’. It is expected that ‘KT’ and ‘LG U+’ will not be very different from ‘SKT’, so there will be no problem if you refer to them.
In order to know exactly how to raise the communication level, it is necessary to first look at what factors are reflected in the communication level. The factors reflected in the communication rating are as follows.
Classification details
Subscription information Subscription period, rate plan, membership level
Usage information Data usage, voice call volume
Additional Information Overseas Roaming Amount: Number of Cases (Last 12 Months) / Small Payment Amount: Number of Cases (Last 6 Months)
Fee Information Payment amount, payment method, unpaid details (last 6 months)
As you can see in the table above, the factors that affect communication quality are divided into “subscription information”, “usage information”, “additional information”, and “rate information”. The details of how to raise the communication rating for each item are as follows.
1. Registration information
In the “subscription information” that is reflected in the communication level, there are ▲subscription period ▲rate plan ▲membership level. As anyone can predict, the longer the subscription period, the higher the rate plan usage, and the higher the membership level, the higher the communication level.
For example, those with a high rate plan and high call volume are judged to be actively maintaining their business. That’s why these people are given a high communication level.
2. Usage Information
In the “usage information” reflected in the communication level, there are ▲data usage ▲voice call volume. In this part, it is said that those who have a certain amount of data usage and voice calls have an advantage in the communication grade.
3. Additional Information
In the “additional information” that is reflected in the communication level, there are ▲overseas roaming amount and ▲small payment amount. In this part, it is judged that the ‘small payment’ part will be important.
The reason is the same in calculating credit scores, but when judging a customer, it is important how well this person can repay the borrowed money.
And it is very important to judge whether the recent money flow is stable. Therefore, it is very likely that a customer who has used a lot of microtransactions is a customer with poor short-term cash flow.
To make it easier to understand, it is as follows.
Those with a large amount and number of micropayments are expected to have a very negative impact on the communication rating.
On the other hand, overseas roaming charges are expected to work in favor of improving the communication rating.
4. Rate Information
The last element that is reflected in the telecom class is “rate information”. Details of billing information include ▲Payment amount ▲Payment method ▲Unpaid bill details (last 6 months).
When it comes to loans, it is of utmost importance to pay off the loan interest on time. Therefore, it is expected that the most important factor in telecommunication rating is probably the most important thing to pay telecommunication fees on time without overdue.
5. How to raise the communication level Conclusion
In conclusion, borrowing the words of a telecommunication company official, the best way to raise the telecom rating is as follows.
You must use it steadily without overdue communication expenses.
It is the use of calls, data, etc. over a constant period of time.
Telecom Grade Loans – TOP3 Products
Recently, many products have been released that allow you to get a loan through mobile without proof of income without paperwork or visits. It is popular because it is easy to use even for the unemployed.
However, these products also evaluate the customer’s income and credit when applying for a loan. Therefore, loan approval is not easy for college students, social freshmen, and housewives who lack financial transaction history.
Fortunately, however, there is a communication grade loan that uses the communication grade introduced today. However, not much data has been accumulated on telecommunications grade loans yet. So, it is true that the majority of financial institutions are unable to fully utilize the telecom grade.
However, some products actively utilize communication grade. So, from now on, I will introduce you to the top 3 telecommunications grade loan products.
Because they are all 1 financial sector loans, the interest rates are low, and it is very advantageous in terms of credit score management. Therefore, if you need a loan, please actively use it.
1. Nonghyup AllOne Emergency Loan
Anyone over the age of 19 can apply for the 「Nonghyup All-One Emergency Loan」 regardless of occupation or income. However, only customers using the three telecommunication companies (SKT, KT, LG U+) that can calculate the telecommunication rating can apply for a loan.
Detailed product information of this product is as follows.
Loan limit: up to 3 million won
Loan interest rate: Minimum annual 4.62%
Loan period: within 3 years
Repayment method: Installment repayment with equal principal and interest
Early redemption fee: none
How to apply: Apply through the Nonghyup mobile app, etc.
> Nonghyup AllOne emergency fund loan conditions and solutions in case of refusal
2. Woori Bank Woori Emergency Loan
Like the 「Nonghyup All-One Emergency Loan」, 「Woori Bank Woori Emergency Loan」 can be used by anyone who uses three telecommunication companies that can calculate telecommunication ratings. The detailed loan conditions are as follows.
Loan limit: up to 3 million won
Loan interest rate: Minimum annual 5.75% (floating rate)
Loan period: 1 year (can be extended upon maturity)
Repayment method: Limit transaction (however, in the form of a negative bankbook)
Early redemption fee: none
How to apply: Apply through the Woori Bank mobile app, etc.
If you look at the above two products, most of them are similar. A feature of 「Our emergency fund loan」 is that it can be used in the form of a negative account. Therefore, it has the following powerful advantages.
You can freely repay the loan principal within the limit of the loan and take it out when you need it again.
You only have to pay the loan interest on the amount you actually use each day.
Therefore, for those who are expected to have a lot of money flow during the loan period, 「Our emergency fund loan」 can be more advantageous. If you are curious about the details of this product, please refer to the article below.
> In case of rejection of Woori Bank emergency fund loan, we will inform you of alternatives
3. PINK Loan for Living Expenses
「Pink Living Expense Loan」 is based on communication cost usage history,
It is the first financial sector product using the ‘new grade (T score)’. Depending on the ‘T score’ level, additional benefits such as loan limit can be provided.
If you are a PINK member over the age of 19, you can apply for a loan regardless of whether you are employed or not. The detailed loan conditions are as follows.
Loan limit: up to 5 million won
Loan interest rate: Minimum 3.917% ~ Maximum 13.937%
Loan period: up to 5 years
Repayment method: Repayment at maturity or repayment in equal installments
Early redemption fee: none
How to apply: Apply through the PINK app
> Conditions for Finck Living Expense Loan and how to resolve the necessary funds in case of rejection
※ Reference
As explained earlier, ‘Pink’ is a joint venture between ‘Hana Financial Group’ and ‘SKT’. Therefore, the 「Pink Living Expense Loan」 actively utilizes SKT’s telecommunications rating, ‘T Score’.
In addition, ▲Korea Investment, ▲JT Dear, ▲Smart, and ▲Eugene Savings Bank, which sell loans in connection with ‘Pink’, are also using ‘T Score’ when screening credit loans.
Loan products using ‘T-score’ are expected to increase in the future. Therefore, please take good care of your communication level.
Telecom Grade Loan Alternative
This time, I will introduce an alternative product for those who cannot use telecom grade loans. We will introduce them by dividing them into three main categories.
Therefore, even if the communication grade loan is rejected or the conditions are not satisfactory, please refer to the article below and borrow the necessary funds.
1. Loan for telecom delinquents
Even if the unemployed want to use a telecommunications grade loan with a very high approval rate, there will be many people who have overdue cell phone bills due to personal circumstances.
It is a good idea for these people to use the ‘loan for telecommunication delinquents’. I have detailed this in the article below, so please check it out.
> Let’s really put an end to the trouble of loans for telecommunication delinquents with a former banker!
2. Loans available for the unemployed
There are many loan products, but those that can be used even by the unemployed have the highest approval rate. So, as an alternative product, the unemployed loan product is good. Fortunately, these days there are quite a few products available to the unemployed.
So, I have summarized the unemployed loans in the article below. Therefore, if you refer to the article below, you will surely be able to solve the funds you need right now.
> If you know where you can get a jobless loan, you can get a 100% loan!
3. Government-supported loans for the common people
For those who want to get a loan of any kind, it is a good idea to first check if there is a government-supported loan for ordinary people that they can use.
The reason is that since it is a loan supported by the government, the approval rate is high even for low-income and low-credit people, and conditions such as loan interest rates and limits are good.
So, in the article below, we have organized it so that you can grasp at a glance the government-sponsored loan products that suit your individual circumstances. If you check it, it will be very helpful to use low-interest government-sponsored low-income loans.
> Government-supported loans for common people, which product is most suitable for me?
Closing remarks
So far, I have introduced how to look up and raise the communication rating. In addition to this, we have introduced all of the top 3 telecommunications grade loan products and alternative products. I hope that the information in this article will help you a lot.