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How to stop MTN from Stealing your Credit and Data

 How to Stop MTN from Stealing Your Credit in Nigeria

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MTN is one of the leading telecom companies in Nigeria, with millions of users across the country. However, many users have rep How to stop MTn from stealing your credit orted issues with MTN deducting their credit without authorization. This can be frustrating and impact your ability to make calls, send messages, and access the internet. In this guide, we will provide you with the necessary steps to take to protect your credit balance and prevent MTN from stealing your credit.

5 steps to Prevent MTN from Stealing your credit/Airtime

  • MTN Credit Deduction System

MTN deducts credit from users through various channels, including daily, weekly, and monthly subscriptions, as well as pay-as-you-go charges. MTN’s terms and conditions also outline when they can deduct credit, such as for international calls or data roaming. To avoid falling victim to MTN’s credit deduction system, you need to understand how it works.


For instance, let’s say you subscribed to a daily data plan that costs N100. If you don’t unsubscribe after the validity period, MTN may deduct another N100 from your account when the plan auto-renews. To prevent this, make sure you unsubscribe from any subscription you no longer need.

  •  Identifying Unauthorized Credit Deductions

Unauthorized credit deductions occur when MTN deducts your credit without your consent or knowledge. To identify unauthorized deductions, you need to monitor your credit balance and usage regularly. You can also check your transaction history to see if there are any unusual deductions.


If you check your transaction history and notice that MTN deducted N200 from your account for a service you did not subscribe to, this is an unauthorized deduction. You need to report this to MTN customer service immediately.

  •  Contacting MTN Customer Service

If you suspect that MTN has made an unauthorized deduction from your account, the first step is to contact MTN customer service. You can reach them through various channels, including phone, email, social media, or the MTN website. When reporting an unauthorized deduction, make sure to provide accurate information, such as your phone number, transaction details, and the amount deducted.


You can contact MTN customer service by dialing 180 or sending an email to If you received an SMS message informing you that you have subscribed to a service you did not request for, you can simply reply to the SMS with the word ‘STOP’ to unsubscribe. If this doesn’t work, you can contact MTN customer service and report the issue.

  • Taking Legal Action

If you’re unable to resolve the issue with MTN customer service, you may consider taking legal action. This can include filing a complaint with regulatory bodies such as the Nigerian Communications Commission (NCC), or taking MTN to court. Before taking legal action, make sure to gather evidence, such as transaction records, communication with MTN, and any other relevant information.


If you have exhausted all avenues of resolving the issue with MTN and still have not received a refund for an unauthorized deduction, you can file a complaint with the NCC. You can do this by visiting their website, filling out a complaint form, and submitting it online. If the NCC finds that MTN has violated your rights as a consumer, they may take action against the company.

How To Prevent Future Credit Deductions

To prevent future credit deductions, there are several tips and safeguards you can implement. For example, you can unsubscribe from unwanted subscriptions or services, monitor your credit balance and usage, and set up a password or PIN for all transactions.


To unsubscribe from any unwanted subscription or service, simply dial *123*5# and follow the prompts. You can also monitor your credit balance and usage by dialing *556# or checking your account balance on the MTN website. To set up a password or PIN for all transactions, dial *123*2*1# and follow the prompts.


MTN credit deductions can be frustrating and impact your ability to communicate with others. By understanding the MTN credit deduction system, identifying unauthorized credit deductions, contacting MTN customer service, taking legal action, and preventing future credit deductions, you can protect your credit balance and prevent MTN from stealing your credit. Always remember to monitor your credit balance and usage, and take swift action if you notice any unauthorized deductions.




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