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Tuesday, 22 July 2014


How To Borrow Credit on Airtel Network.

Telecom companies in Nigeria are making things more easier for their customers by introducing new and nice features that will make them ahead of their competitors.

Sometime ago, I talked about how to borrow credit on MTN network and also how to borrow airtime from Glo  but today, I will be discussing how you can borrow credit on Airtel network in case if you run out of credit. Airtel called this their new feature Auto Credit.

With Auto credit, you can get airtime on credit when your Main Account balance falls to N7.20 and pay later at a service charge of 10%. The customer receives less 10% of the requested amount. The money can be paid back the next time the customer recharges/tops up.
For example, if you borrow N100, Airtel will credit your account with N90. They will debit the N100 on your next recharge.

For you to qualify for this, you need to have been an Airtel subscriber for at least 3months. Also, you have to be a loyal and consistent subscriber.

How To Subscribe to Borrow Credit from Airtel

To Subscribe, simple dial, *500#.

Some of the Frequently Ask Questions includes: 

1)   Question: I applied for Auto Credit but got a message informing me that I am not eligible
      Answer: This may happen for 2 reasons:-
  • You may have just joined the network recently thus not meeting the minimum age in network of 3 months. It may also be as a result of not regularly loading airtime on your AIRTEL line.
  • You may have an unpaid Auto Credit airtime. You must settle this first before applying again.

2)  Question: I applied for Auto Credit long ago yet it was deducted this week
     Answer: This could be due to delay in our system getting recharge notifications from the network. Our system is designed to recover airtime as soon as it gets notified of your reload, and if there are delays in such notifications it could result in delay in deduction after any one of your reloads.

3)   Question: What happens if I don’t repay my loan after 72 hours?
       Answer: You will not be able to access Auto Credit until you pay back the entire amount owed and it will adversely affect your credit rating which is important for qualifying for higher amounts in future.

4)   Question: Can I be credited with Auto Credit more than once without repaying the first advance?
    Answer: No, you must first repay the first Auto Credit before being eligible for another.

5)   Question: I borrowed NGN500 and I had NGN100 in my account prior and I have not reloaded since, at what point do you start deducting from the remaining balance?
     Answer: We will begin deducting from the borrower’s main account 72 hours after your Auto Credit Advance.

6)    Question: What happens to my Auto Credit Advance in the event I replace my SIM card?
       Answer: Your Auto Credit Advance remains intact as long as the grace period has not expired, which is currently at 72hours and will be accessible as soon as you replace your SIM card and maintain your original number.

7)   Question: How can I unsubscribe for the service?
     Answer: By dialing the short code and selecting the unsubscribe option.

Thats all. I hope this helps.



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