Flexible Tabbing

  • 2
  • Idea
  • Updated 4 years ago
  • Under Consideration
Be able to use what you have paid off the tab to buy a new phone without having to clear the old Tab first.
Example: someone has a Medium Tab of $300 which over time (maybe 6 months) they pay off $70. The phone gets knocked off a table and the screen shatters. Koodi is selling reconditioned phones for $70.
With the present system, the customer has to effectively pay $230 to get the $70 phone as they have to pay off the old tab to get a new one.
With a flexible tab, the tab can be "topped up" back to $300 allowing the use of the $70 so the custome ccan get a new phone by just paying the HST in this example.
Result is a much more workable system for the customer and an easier cross-sell/upgrade opportunity for the agent at Koodo. (e.g. "I notice from your account that you have $150 available on your tab right now. Had you thought about changing /upgrading your phone? We have some great deals right now on ******** phones and it wouldn't change your monthly payment or cost you anything right now. Also, you get to keep your old phone! ")
Great customer service for situations of broken phone.
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Royal Gifford

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Posted 4 years ago

  • 2
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Chad Burr, Mobile Master

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That's actually how it used to be. The problem is that it interferes with the crtc rules that say a tab can only last two years. So in order to start a new period of two years, the old period has to be completed. The only way to do that is to pay off your old tab and start a new one, which restarts the two-year period.
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Royal Gifford

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Could it not be done like a consolidation loan then, effectively starting a new tab and using it to pay off the old one?
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Chad Burr, Mobile Master

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Even that would extend the time frame for you to pay it off. Which is against the rules
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Mark Kokolsky

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Chads exactly right, you can thank the CRTC for not being able to do that anymore.
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Some random Mobile Master, Mobile Master

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Yup, agreed. In any case Royal, once all is said and done, you're not paying any extra out of pocket.

Let's say you have a $100 tab left on a phone. You want to upgrade. Phone you want costs $400 and you want TabM. You are charged $100 on your next bill to buy out your current Tab and the phone will cost you $100 on day 1 (price of $400 minus $300 Tab = $100 out of pocket). So the phone + your Tab buyout is a $200 expense.

Under the old model, you would have $200 left to use instead of $300 on your TabM since you still owe $100 on it. Phone costs $400. Price of phone ($400) minus what's available to use on your Tab ($200) = $200 expense.

Exactly the same, money-wise, so you're not losing out Royal!
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Royal Gifford

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In that example, agreed. What brought it to light was my son's situation though. $150 tab paid off $80. Phone breaks and he has no cash to buy a new one. Present system, no phone, no option to replace but keep paying the bill for another year to pay off the tab. Alternate scenario, he uses the $80 tab to buy a refurbished one for $70, a couple of bucks to cover any extra taxes, has a working phone and just has to carry on paying until it's cleared.
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Some random Mobile Master, Mobile Master

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Makes sense, didn't see it like that!
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Jonathan I, Mobile Master

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The only situation where the old Tab structure would make sense is doing a Tab redemption but buying a phone outright; IE a Moto G to replace a broken S III that still has a - 200 balance on it. Since the Moto G is less than 200, it's actually not as economical to pay off the old Tab and get a new one for the Moto G but alas, that isn't possible anymore.
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Some random Mobile Master, Mobile Master

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Yeah, didn't think of such situations... Makes a lot of sense though!

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