BTL's Credit Policy FAQ's
BTL’s Credit Policy is geared at providing support to customers in managing their telephone account.
Under the Credit Policy each customer is assigned a credit limit, which is the maximum amount to which usage should extend in any given month. Your credit limit is monitored during the month and once you near your maximum assigned amount, BTL will notify you.
The following are questions that are frequently asked with regards to BTL’s Credit Policy:
How is my credit limit determined?
BTL has in place guidelines by which customers credit limits are determined. For a first time customer the credit limit is based on the deposit paid by that customer; for example, you provide a deposit of $500 on your account so that your usage can extend up to $500 in any given month. Remember that interest is paid to you yearly on this deposit.
For an active customer the credit limit may be determined by the highest usage you incur over a six-month assessment period and/or by the security deposit. If you wish to increase your credit limit you can either increase your deposit or discuss other possible options with our customer service representatives.
Benefit of your Credit Limit
A credit limit offers customers protection. For example, there are instances when an unauthorized person makes calls from a customer’s phone without his knowledge, in effect running up his telephone bill. There are also times when the customer makes significantly more calls than normal without keeping track of his usage. Having a credit limit in place will ensure that your bill does not escalate to an excessive amount that you will be unable to pay.
How do I know when I am at by Credit Limit?
BTL makes every effort to ensure that customers are notified when approaching their credit limit. DigiCell customers are sent an SMS, while fixed telephone customers are sent a voice message advising them of their current usage. Customers with DigiCell and fixed telephone services on their accounts will be sent separate alerts, as an alert is sent for each service on the account. This allows customers adequate opportunity to make payment and avoid disconnection.
What Happens when I reach my Credit Limit
Your account is temporarily suspended when you reach your credit limit. The warnings issued when you are approaching this limit, indicates that you need to either pay off some of the usage or increase your deposit. If you take either of the two actions, you will avoid interruption in service and continue to enjoy BTL’s quality communication services.
How do I know my Credit Limit?
For more information on your credit limit and/or BTL’s Credit Policy kindly contact our Customer Services Department at 0-800-Call-BTL or visit any of our Customer Service Centers countrywide.