When you take out a telephone subscription including a telephone, you are in fact buying the telephone on instalment credit. The payments for the device are included in your monthly subscription payments. In fact, you have a loan for a telephone. The credit is only registered at BKR if the device costs more than € 250. If you are applying for a new loan, it is important for the credit provider to know whether or not you already have other loans or have repaid other loans. That includes your telephone credit. This helps the credit provider decide whether or not to grant you a loan.

Many telecom providers offer telephones on instalment credit. Until you have fully repaid the phone, you have a loan. Every month, you repay part of the loan, in addition to the cost of your subscription. If the value of the loan is more than € 250, it is registered at BKR. If you make an advance payment when you start the subscription, as a result of which the loan for your mobile phone is less than € 250, it will not be registered at BKR. For more information, go to the website of your telecom provider.