Unlocking Instant Credit: The Digicel Belize Borrowing Advantage

If you're a Digicel customer in Belize and you're running low on credit, there are a few options to get a quick top-up. Digicel offers a service called Credit Advance, which allows prepaid customers to borrow credit with a small service fee and pay it back later. To use this service, simply dial *139#SEND, confirm the transaction, and then dial *139*1#SEND. Additionally, Digicel's CreditMi service allows qualifying prepaid mobile customers to receive an advance of up to $20 with a service fee and pay it back within 30 days. To apply for CreditMi, send GET CREDIT or GETCREDIT to 456. Finally, if you know another DigiPrepaid user, you can use the 'Send Mi Credit' feature to instantly transfer credit from their account to yours for a small fee.

Borrowing credit from Digicel Belize via SMS

If you're a Digicel customer in Belize and you're running low on credit, don't panic! Digicel offers a credit advance service that allows you to borrow credit and pay for it later. This service is available to prepaid customers, and you can follow these steps to borrow credit via SMS:

Step 1: Dial *139#SEND

Using your Digicel phone, dial *139#SEND. This is the code to initiate the credit advance request.

Step 2: Confirm the transaction

After dialling the code, you will receive a message asking you to confirm the transaction. This is where you can decide whether to proceed with the credit advance.

Step 3: Send the confirmation code

To confirm the transaction, dial *139*1#SEND. If you change your mind, you can cancel the transaction by dialling *139*9#.

Step 4: Receive the loan confirmation

Once you've confirmed the transaction, you will receive a message advising that the loan has been successful. This message will also include information about the standard service fee of $0.75, which you will be required to pay in addition to the borrowed credit.

Please note that there are eligibility criteria to qualify for credit advance. For example, you must be an active Digi Customer for at least 2 months and have a minimum average recharge of $6 per month for the last 2 months. Additionally, you must fully repay the advanced credit within 30 days.

If you prefer, you can also use Digicel's "Call Me" feature to request a call back from another Digicel number or any number from another provider. Simply send an SMS with "Call Me" to the desired number.

Digicel's Credit Advance service

How to Borrow Credit:

• Dial *139#SEND from your Digicel phone.: By dialling this code, you will initiate the credit advance process.
• Confirm the Transaction: After dialling the code, you will receive a message asking you to confirm the transaction. Review the details carefully.
• Dial *139*1#SEND to Confirm: If you agree to the terms and want to proceed with the credit advance, dial this code to confirm the transaction. Alternatively, if you change your mind, you can dial *139*9 to cancel the transaction.
• Receive a Confirmation Message: Once you've confirmed the transaction, you will receive a message notifying you that the loan has been successful. This message will also inform you of the standard service fee of $0.75 that applies to the credit advance service.

Important Details:

• Eligibility: To be eligible for the Credit Advance service, you must be an active Digi Customer for at least 2 months and have a minimum average recharge of $6 per month over the last 2 months.
• Repayment: It's important to note that you must fully repay the advanced credit within 30 days. Digicel also offers the CreditMi service, which allows qualifying Digicell Prepaid mobile customers to receive a top-up in advance and pay for it later.
• Service Fee: In addition to the credit amount, you will be charged a standard service fee of $0.75 for the Credit Advance service. This fee will be included in the total amount due at the time of repayment.
• Credit Amount: The amount of credit you can borrow may vary based on your usage patterns and profile, including tenure, recharge history, and repayment history. The maximum credit amount typically available is $20.
• Alternative Options: Before borrowing credit, consider alternative options such as asking a friend or family member to send you credit or give you a call. Digicel also offers the "Call Me" feature, which allows you to send a call-back request to another Digicel number or any number from another provider.

How to qualify for Digicel's Credit Advance

If you're a Digicel customer in Belize, you can use the CreditMi service to borrow credit now and pay for it later. To qualify for CreditMi, you must be an active Digi Customer for at least two months and have recharged a minimum of $6 per month on average over the last two months. Additionally, you must fully repay any previous credit advances within 30 days.

Here's a step-by-step guide to borrowing credit from Digicel:

Step 1: Send "Get Credit" to 456 to request advanced credit.

Step 2: If you qualify, you will receive an SMS notification with three different advance options.

Step 3: Respond by texting your desired loan option to the short code provided.

Step 4: You will receive an SMS notification confirming the advance amount, including the service fee and tax, and the due date for repayment.

It's important to note that there is a service fee for using the CreditMi service, and the amount you can borrow may vary based on your usage patterns. The maximum amount a customer can qualify for is $20. To increase your qualifying amount, make higher and more frequent recharges.

If you're in Trinidad, Digicel offers a similar service called Quick Credit, which is available to prepaid customers who meet certain criteria. With Quick Credit, you can borrow amounts ranging from $10 to $50 by dialling *214# on your Digicel phone.

Repaying your Digicel loan

For example, if you borrowed $20, you would need to repay $20 plus the service fee, which is calculated as 10% plus GST (12.5%) and marketed as 11.25%recharge options, such as topping up your credit or using the DigiGo App. You can also transfer credit from another DigiPrepaid user to instantly repay your loan. Remember to repay the full amount within the specified timeframe to avoid any penalties or issues with your service.

It's important to note that you can only have one advance at a time, and it must be fully paid off before becoming eligible for another one. So, make sure you plan and manage your credit usage effectively to maintain a positive relationship with Digicel and avoid any financial strain.

Alternative ways to get credit

If you're looking for alternative ways to get phone credit, here are some options to consider:

• Prepaid carriers: Prepaid cell phone plans don't require a credit check because you pay in advance for your service, usually on a monthly basis. This option gives you flexibility and control over your spending. The major carriers like Verizon, T-Mobile, and AT&T offer prepaid plans, and there are also budget carriers that specialize in prepaid service, such as Mint Mobile, Visible, and Boost Mobile. These carriers often provide cheaper and more straightforward plans. However, you may need to bring your own device or purchase one outright, as prepaid carriers typically don't offer phone financing.
• Co-signer or family plan: If you have a friend or family member with good credit, you can ask them to co-sign your financing agreement or add you to their family plan. This option can help you bypass the credit check, but keep in mind that the account holder will be responsible for any unpaid bills. Joining a family plan can also save you money, as carriers often offer discounts for multiple lines.
• Paying a security deposit: If you have little to no credit history, some carriers may allow you to get a cell phone plan by paying a security deposit upfront. This deposit acts as a form of insurance for the carrier in case you fall behind on your bills. While it can be a pricey option, consistently paying your bills on time may lead to a refund of the deposit after a certain period, helping you build your credit score.
• Used devices: Consider purchasing a used or refurbished device from retailers like Amazon, Trademore, or Best Buy. These options are usually more affordable than buying a new phone, and you can often find unlocked devices that can be used with any carrier, allowing you to skip the credit check process.
• Alternative financing options: Explore financing options from companies like Visible, Best Buy, or directly from smartphone manufacturers like Apple, Google, or Samsung. Some carriers, like T-Mobile, also offer leasing options without a down payment or credit check, but they may require a history of on-time payments.

Frequently asked questions