Billing & Usage
Whether you want to know how to make a payment, check your usage or make calls abroad, you'll find the answers here.
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Your first bill includes charges for your first full month of service, which is billed in advance, plus any partial month of service, which is prorated. It may also include charges like activation fees,and equipment charges and taxes. Because of these charges, your first bill is typically higher than subsequent monthly bills.
For all CREDO accounts, monthly recurring charges are billed one month in advance. One-time charges, as well as any usage that is not included in your plan, are billed for the previous month.
Charges billed in advance
Monthly recurring charges for the upcoming month appear on the current month’s bill. These charges typically include:
- Plan charges
- Data plans
- Additional services, like mobile insurance
Charges billed in arrears
Usage charges and one-time charges for the previous month appear on the current month’s bill. These charges charges typically include:
- Overage: Voice, text or data charges not included in your monthly plan
- International roaming charges
- One-time charges such as equipment charges, activation fees, late fees, upgrade fees, exchange fees and un-returned equipment fees.
We offer a variety of easy ways to pay your bill each month. Most CREDO customers pay their bills online through Member Services. Once you register, you'll be able to sign in to view your balance and pay using a checking/savings account or a credit/debit card. It's quick, secure and easy. It's good for the earth too, because you’ll help us minimize how much paper we use.
Don't want to worry about paying on time each month? You can sign up for our automatic payment program through Member Services as well.
Once you save a payment method in Member Services, you can also pay via our automated bill payment system over the phone. To make a payment over the phone, call 800-411-0848 and have your phone number and billing ZIP code handy.
Of course, you can always mail us a check. Look for the prepaid envelope included with your bill. Or send a check directly to:
PO Box 7015
San Francisco, CA 94120-7015
You can increase your support for the nonprofit groups we're donating to this year by rounding up your bill payment to the nearest $1, $5, $10 or amount of your choice. You can choose to round up any individual bill, or sign up for our Automatic Round-Up program. Round-up money goes directly into the pool of funds that's distributed to the nonprofit groups. Your round-up donations are tax-deductible. We'll automatically send you a donation acknowledgment letter for tax purposes at the beginning of the year if your round-up donations for the previous year total more than $50.
To sign up for the Automatic Round-Up program, sign in to Member Services at right, click the bill tab then click Automatic Bill Round-Ups at the bottom of the page. Select an amount and click Submit. You can cancel automatic round-ups at any time.
Yes. Just sign in to Member Services at right and click on the bill tab. Then click on Preferences & Payment Options on the left side of the page to enroll in paperless billing. We'll send you an email each month when your online bill is ready to view and pay.
Many states and local jurisdictions apply unique taxes and surcharges to wireless services. These taxes and surcharges are based on a variety of factors such as tax rates and your service address. You'll also see the Federal USF charge, designed to fund communication service to rural and low income areas, and other surcharges associated with providing wireless service.
We offer several methods for checking your usage.
- Member Services: Sign in or register at right to see how much voice, text and data you've used so far for the month.
- On your CREDO phone: Use our text-based usage tool. Simply text USAGE to 27336, and we'll text you back with your current voice, text, and data usage. Sending and receiving these texts won't cost you anything.
- Call us: Call 800-411-0848 and select the option for detailed usage from the menu.
Shared data plans have no limits on voice and text.
On all other plans, calls made and received during Nights and Weekends hours, in-network calls to and from other CREDO Mobile members, and calls to CREDO customer service aren't deducted from your monthly minutes. You can also make up to 30 minutes a month in Free Speech calls to targeted decision-makers. Minutes are deducted for every other call you make or receive, including long distance and voicemail calls.
If you exceed the minutes included in your monthly plan, overage minutes are charged at a specific per-minute rate, which varies by plan.
On shared data plans, calls to all toll-free numbers (typically beginning with 800, 866, 877 and 888), including CREDO customer service, are free with all CREDO plans.
On all other plans, calls to CREDO customer service are free and aren't deducted from your minutes. All other calls placed to toll-free numbers (typically beginning with 800, 866, 877 and 888) from your CREDO mobile phone are billed as airtime.
You're using data whenever you browse the web, email, send and receive multimedia messages (including picture messages), IM and use web-based apps, like Twitter and Facebook. On smartphones and other data-capable devices, you're also using data when you stream music and videos, shop for and download apps from your phone, or use maps.
Unless you have an unlimited data plan, you'll be billed for data use when you do any of the above activities. Keep in mind, you're charged each time you load a new page or open an email.
If you signed up for service prior to Aug. 26, 2014, you might have an unlimited data plan, a limited data plan or a Pay-Per-Use plan.
Unlimited plans offer unlimited data usage for a monthly fee. Limited plans offer a fixed amount of data usage per month for a monthly fee, after which you pay overage charges. Under a Pay-Per-Use plan, you pay $1.99 per MB of data used.
If you signed up Aug. 26, 2014 or later, you have a Shared Data plan. Under this plan, all devices on an account share a single pool of data. Each phone also gets unlimited talk and text, plus a personal Wi-Fi hotspot for hotspot-capable devices. There is an additional monthly access fee for each line. See plan details for data plan costs. If you exceed the data usage limit on your plan, you will incur additional charges for data used for the current billing cycle. You can upgrade your data plan at any time to avoid overage charges.
If you signed up for service prior to Aug. 26, 2014, you might have an unlimited text plan, a limited text plan or a Pay-Per-Use plan.
Unlimited plans offer unlimited texting for a monthly fee. Limited plans offer a fixed number of texts, after which you pay $0.20/text. Under a Pay-Per-Use plan, you pay $0.20/text.
If you have a Shared Data plan, it includes unlimited domestic text messaging.
Please note: Any texts you send or receive while abroad and any texts you send to international numbers cost $0.25 each and aren't included in our plans.
There's no extra charge for call waiting. If you do not have a Shared Data plan, however, your airtime is treated as ordinary voice minutes.
There's no extra charge for three-way calling. If you do not have a Shared Data plan, however, the airtime for both calls involved in your conversation is treated as ordinary voice minutes.
More and more people are finding themselves unknowingly signed up for third-party text messaging subscriptions—a practice known as SMS cramming. Even if you aren't receiving unusual or unexpected text messages, a third-party company could still be billing you for a monthly text messaging subscription on your CREDO bill.
The best way to know if you're getting crammed is to check your bill. If you get a paper bill, you'll find third-party charges in the Downloads & Premium Services section. If you get an online bill, you'll find these charges in the Data & Downloads section of your Usage Overview tab.
Here are some common ways you could find yourself with unwanted subscriptions:
- Downloading a so-called "free" ringtone, wallpaper or screensaver
- Signing up to get texted jokes, horoscopes, IQ tests, news updates or other similar services
- Entering a sweepstakes from an unfamiliar company
- Ignoring a text from an unknown number that says "Text back STOP if you don't want to subscribe." If you don't reply, the company charges you a monthly fee.
Please note: The charges for these subscriptions will appear on your CREDO Mobile bill because we're obligated to bill for any services you're enrolled in. Unfortunately, there's no way for us to know if you or a family member intentionally signed up for such services.
To avoid getting crammed:
- Read the fine print for any text messaging services or "free" downloads before providing your phone number or texting a short code
- Avoid entering sweepstakes from unfamiliar companies
- Text "STOP" back if you're receiving unwanted text messages from a company
- Monitor your CREDO bill
If you signed up for service prior to Aug. 26, 2014, you might have a mobile hotspot plan. You'll enjoy 2GB of shared 3G and 4G data (depending on the capabilities of your phone) for $20.00 a month. Mobile hotspot usage over 2GB is billed at $10/GB.
CREDO Mobile Shared Data plans include a mobile hotspot.
Please be aware that when the hotspot feature on your device is turned on, all data use on your device and connected devices will be charged as data usage and subject to overage charges, so to avoid unexpected data use or charges, always turn off the mobile hotspot feature when you're not using it. For more info and instructions on turning hotspot on and off, please visit our support pages, select your phone and click the hotspot link.
Calling and Texting International Numbers from the U.S.
Yes. International calling is enabled for all CREDO Mobile phones unless you request to have it blocked.
We also offer an international long distance discount plan for deeply discounted rates when you call international numbers from the U.S.
If you're an existing customer, you can add our international long distance discount plan or block international calling in Member Services by clicking change services next to your phone on the homepage. You can also email your request to customer service using our Contact Us form or call customer service at 800-411-0848.
If you're signing up for CREDO Mobile, you'll select an international calling option when you place your order.
We don't charge any long distance fees for calls from the U.S. to Canada and Mexico—they're
treated like domestic calls when you're in the U.S.
Rates to other international numbers vary based on the country you're calling and
whether you have our international long distance discount plan. The discount plan
offers significant savings over our standard rates. Please
view our list of rates and dialing codes by country for details.
If you're an existing customer, you can sign up for the international long distance
discount plan in Member Services by clicking
change services next to your phone on the homepage. You can also email
your request to customer service using our Contact
Us form or call customer service at 800-411-0848.
If you're signing up for CREDO Mobile, you can select the international long distance
discount plan when you place your order.
Prefer to block international calling? You can select that option by using the instructions
above for signing up for the international long distance discount plan.
Please note: All calls made from the U.S. to international numbers
are billed at the rate for the country where the phone number was issued—regardless
of where the recipient is at the time of the call. Calls to Canada and the majority of the Caribbean islands can't be blocked because they're part of the North American Numbering Plan (NANP) and are dialed just like domestic numbers—without the international prefix (011). Calls to Canada are included in your plan, but there are long distance charges for calls to the Caribbean. These are the countries that can't be blocked: Anguilla, Antigua & Barbuda, Bahamas, Barbados, Bermuda, British Virgin Islands, Canada, Cayman Islands, Dominica, Dominican Republic, Grenada, Jamaica, Montserrat, St. Kitts/Nevis, St. Lucia, Saint Maarten, St. Vincent/Grenadines, Trinidad & Tobago, Turks & Caicos.
No. Calls you receive from international numbers are treated just like calls from domestic numbers if you're in the U.S., and charged at the same rate.
Any text messages you send to an international number—regardless of where you are—are $0.25 each and are not included in our text messaging plans.
If you have a Shared Data plan, text messages you receive from an international number are free. For all other plans, text messages you receive in the U.S. will be charged the standard domestic text messaging rate of $0.20, or deducted from your text messaging plan if applicable.
Using Your Device While Abroad
You can make and receive calls while traveling abroad in select countries (generally those in South America and Asia) with any CREDO Mobile phone. Many of our smartphones are global phones that support international roaming on both GSM and CDMA networks in over 228 countries around the world—so you can use your phone nearly anywhere you travel. See our Traveling Abroad page to find out which countries your phone will work in, specific rates and other helpful information.
Please note: You’ll need to call customer service at 800-411-0848 at least 10 business days before your first trip abroad with your phone to activate it for international use.
You'll be charged $0.25 per text message (sent or received) when using your phone outside of the U.S.