How to borrow credit from MTN

Most people will first reach for their mobile phones once an emergency occurs. This is not because they are in love with their mobile phones. But because they need to reach out to their loved ones, probably either to get or render help if need be. However, you can’t make calls without credit (airtime). MTN offers credit that their customers who need them can borrow. The MTN package that borrows credit, how you can borrow and more are all-inclusive in this article.

What MTN package lends customers credit?

You must know the MTN package that lends customers credit in Ghana before you can get it. With this knowledge, you’ll therefore know you can borrow the credit whenever you wish and payback in your convenience.

The MTN XTRATIME is the service that lends credit to customers in Ghana. With this service, subscribers who qualify can borrow and use the airtime. The duration of this credit subscribers borrow depends on how long they have been using the MTN mobile services. Besides that, MTN also considers how often these subscribers have been recharging their respective MTN lines.

How do MTN deal with the overdraft amount of customers in Ghana?

There are ways communication networks deal with overdraft amounts their subscribers use. This could be different across all communication networks. But for MTN XTRATIME service, they deduct it from the amount in the airtime top-up that the customer makes.

They make this feature available for both prepaid and postpaid subscribers of MTN subscribers.

How can I use the MTN XTRATIME service?

There is always a way into various services that communication networks offer. And MTN is not in exclusion. For you to use the MTN XTRATIME service, use the code for MTN ‘borrow me credit.’ When you enroll in the service, you can now access the range of the amount of credit you qualify for. Thereafter, it will now be in your own interest to choose the option of credit you can repay promptly. You cannot use the same short code you get to borrow credit from MTN for other MTN services. Except for the MTN XTRATIME service.

How can I borrow credit on MTN in Ghana?

You can borrow credit on MTN in Ghana conveniently. The MTN Ghana mobile network arranged a straightforward way for their subscribers to access credit of their choice and repay. You can borrow from 0.50 pesewas even up to GHS 10 to make calls, SMS, or even browse the web. Thereafter, you can pay back the credit. However, this depends on how frequently you purchase airtime before requesting to borrow the credit.

The following are the steps to borrow MTN airtime in Ghana:

Dial Dial *506#
Choose the amount of airtime you prefer from the options they give you
Choose 1 to confirm it
You can select the option ‘4’ to explore more (advanced) options

How can I check the info of the credit I borrowed?

It is cool to always check the info of the credit you borrowed. It will help you know how much left and when it could expire.

The following are how to check the info of the credit you borrowed:

Dial *506#
Select ‘6’ (Menu)
Choose option ‘2’ (Info)

How can I borrow MTN data bundles in Ghana?

You can use your data bundles to browse the web, download music and videos of your choice. Besides that, there are many things you can do with your data bundle on the internet.

The following are how you can borrow data bundles from MTN in Ghana:

Dial *506#
Choose 5. Then request a data advance
Choose any option from the data bundle you prefer
Confirm it by choosing 1.

How can I check for my outstanding credit?

If you think that you have an outstanding credit as a subscriber. It is important to know the amount you have as an outstanding.

The following is how to check for your outstanding credit:

Dial *506#
Choose the option ‘6’ (Menu)
Select the option ‘3’ (Outstanding credit)

How can I check my borrowed credit history?

While borrowing credits, always know that you have a credit history with MTN. The credit history will show your behaviour regarding borrowing and repaying overtime.

The following are how to check your borrowed credit history:

Dial *506#
Select the option ‘6’ (Menu)
Choose option ‘4’ (History)
Immediately, you will receive an SMS about your borrowed credit history.

Note: Have an active MTN SIM in use for 3 months or more to qualify for the credit. Besides that, they will charge you up to 10% of the credit you borrowed during repayment.

Conclusion

Airtime links people and their loved ones. Besides that, airtime can help you deliver a life saving message to someone. Because of the lack of airtime subscribers experience for some constraints. MTN offers credits to customers who qualify for them. And thereafter require them to pay back later. This is a cool initiative by MTN, isn’t it?