Today, I’m going to talk about communication grade lookup. When you go through a small loan, there is a content that you look at the communication grade as a loan condition. Emergency fund loans from Woori Bank and Nonghyup correspond to those loans. Previously, loan repayment capacity was calculated based on income and employment, and loan interest rates and limits were additionally given based on personal credit scores.
However, those who have difficulty in proving income and employment are likely to be alienated from the financial sector. In order to solve such a problem, it is said that the three telecommunication companies have created a communication rating, which is a rating that is calculated if you are using your mobile phone normally. Now, in this post, we will look at what telecommunication rating means, how to search, and telecommunication rating loans. 통신등급조회
Where can I get a loan for the unemployed? 좋은뉴스
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What is communication level?
The telecom credit rating is a rating that evaluates the credit rating of customers based on telecommunication service information so that SKT, KT, and LG U+ customers of the three telecommunication companies can benefit from using financial services. Even if your credit score is low, you can receive financial benefits depending on your communication service usage performance.
Currently, domestic credit rating agencies NICE and KCB are also said to be using telecommunication service usage records for credit evaluation. If you check your credit score, there is a function to raise your credit score. At this time, if you attach a communication bill statement and use it normally, it is said that your credit score will rise slightly.
In order to receive a good communication rating, you must meet the following requirements.
Communication fee payment performance (installment payment, communication fee overdue X)
Subscribed communication product (rate plan, etc.)
Steady subscription period
SKT communication rating inquiry method
The SKT communication rating is serviced so that it can be viewed in the PINK app under the name of T score. The T-score calculates the communication grade by utilizing the communication service usage records (subscription period, fee payment, etc.) provided by SKT.
SKT Communication Rating Query 〉
1. Access the PINK app
Download the PINK app and proceed with membership registration.
2. T-score inquiry
If you enter More at the bottom right of the main screen of the app and scroll down, you will access Credit – T Score Inquiry.
SKT communication rating inquiry method
3. Check the T score
After agreeing to the terms and conditions and proceeding with mobile phone authentication, check the T score. You can compare it with your existing credit score on a scale of 1000.
※ As a result of checking as of May 22, the PINK app no longer provides a T-score inquiry service.
KT communication rating inquiry method
You can easily check the telecommunications credit rating on the ‘KT Financial Benefit Information Site’ for KT telecom rating inquiries.
KT communication rating query 〉
1. Communication credit rating inquiry
On the main screen of the KT Financial Benefits information site, click the ‘Check my communication credit rating’ button to proceed.
KT Communication Rating Query 001
2. Agree to terms and conditions and verify mobile phone
After agreeing to the terms and conditions on the pop-up page, proceed with KT ID login or mobile phone authentication.
KT communication rating query 002
5. Check communication level
In the case of KT communication rating, you can check it by rating. In my case, I got 3 stars. Ratings were confirmed to be from 1 to 9. The exact communication class table has not been released.
LG communication rating inquiry method
Currently, there is no service for those using the LG U+ telecommunications company to inquire the telecommunications grade. It is judged that the communication company will not disclose it to the outside. If you have any questions, please contact the LG U+ customer center and inquire about the communication credit rating.
LG U+ Customer Center: 📞1644-7070
LG U+ website: https://www.lguplus.com/
Steady subscription period and sincere telecommunications fee payment are the main factors in improving the telecommunications rating.
Telecommunication Class Inquiry FAQ
Q1) How to increase communication level?
If you refer to the terms and conditions when you inquire KT’s communication rating, it is said that the rating is calculated by providing KCB with usage information for each service. Bill payment history, billing service usage history, terminal installment information, micropayment, call volume, data, product information, etc.
There are ways to raise the communication level by ① paying communication fees without delay, ② using communication services steadily, and ③ using high rate plans. It seems that it will be applied in the same form as credit card usage performance.
Q2) The T-score disappeared from the PINK app.
It is currently on temporary hiatus and it has not been announced when it will reopen. I wonder if SKT’s credit rating will be calculated without disclosure along with LG U+.
Q3) Is the communication grade calculated for budget phones?
The reason for calculating the telecom rating is to use a loan, a financial product. In the case of budget phones, considering that Woori Emergency Loan and All-One Emergency Money Loan, which are representative communication grade loans, are impossible, the communication grade is not calculated for budget phone users.
Q4) Is it possible to borrow communication grade 6 ~ 9?
The exact table of communication classes is not specified. However, since the telecommunications rating is calculated by the credit rating agency through telecommunication service performance, it seems that it can be used in comparison with the existing credit score credit rating.
Q5) Is it not related to the credit score of telecommunications grade loans?
If you look at the terms of our emergency fund loan, which is a telecommunications grade loan, there is a term called CB section. In the end, loans can be made based on the communication rating, but if the internal credit rating is low, loan handling is impossible. Loans are not available for people with bad credit, low credit, or delinquents.
Telecom grade loan TOP2
Representative loans that undergo loan screening based on telecom ratings include Nonghyup Bank’s AllOne Emergency Fund Loan and Woori Bank’s Woori Emergency Fund Loan. Products based on communication rating are correct, but the application conditions are slightly different. For more information, please click the button at the bottom of each product to check.
1. Nonghyup AllOne Emergency Loan
Classification contents
Loan interest rate 5.39 ~ 6.59% per year
Loan limit 500,000 won ~ 3 million won
Loan period 3 years (no grace period)
Repayment method Repayment in equal installments in won (re)
Product Features Communication Grade Loan
As a communication grade loan launched by NH Nonghyup, loans are possible only if the communication grade is met regardless of income or occupation. The communication level is given to customers who are using mobile phones normally in the three telecommunications companies SKT, KT, and LG.
In the case of the Nonghyup All-One Emergency Loan, even budget phone users can apply for a loan. However, the loan is automatically converted to the medium interest rate model, not the all-one emergency fund loan rate. So, for low-cost phone users, the interest rate may be higher than that of the All-One emergency fund loan. Loan applications can be applied through the NH Banking and NH Allone Bank apps in a non-face-to-face manner.
Find out about loan limits 〉
2. Woori Bank Woori Emergency Loan
Classification contents
Loan interest rate as low as 7.41% per annum
Loan limit 500,000 won ~ 3 million won
Loan period 1 year
Repayment method Free payment
Product Features Communication Grade Loan
This is Woori Emergency Loan, a new concept telecommunications grade loan launched by Woori Bank. This is the same type of loan as the All-One Emergency Loan, and it is a product that allows loans to be processed based on telecommunication ratings regardless of income and occupation. As explained above, any customer using a mobile phone from the three telecommunication companies can receive a telecommunication rating.
In the case of low-cost phone users, unlike AllOne Emergency Loan, authentication is not possible at the mobile phone authentication stage when signing a loan in our WON Banking app. Our emergency fund loan contract can be done on the Woori Bank website or the Woori WON Banking app.
View My Loan Limit 〉
So far, we have looked at how to look up telecommunication ratings from the three telecommunication companies, frequently asked questions, and telecommunication rating loans. I am currently using a budget phone called Liv Mobile. It seems that it is difficult to use a loan for a thrifty phone because it is blocked at the stage of applying for our emergency fund loan. For budget phone users, the Nonghyup All-One Emergency Loan looks more advantageous, so please take note of this. Thank you for reading the loan forbearing article so far.