topic 12 month contract - payment declined Revolut in Pay Monthly

12 month contract - payment declined Revolut

mstarkey — Sat, 10 Jul 2021 07:38:09 GMT

Hi, Does anyone know if O2 will take a Revolute Mastercard for payment of a pay monthly account? I've just tried to do this twice without any luck. I use this card all the time for small payments and never had a problem so it would be strange but not impossible I guess.

Thanks.

Re: 12 month contract - payment declined Revolut

MI5 — Sat, 10 Jul 2021 07:43:20 GMT

Hi @mstarkey

Some other customers have reported problems with none standard cards.

See bill payment guide here for help

Re: 12 month contract - payment declined Revolut

Cleoriff — Sat, 10 Jul 2021 07:43:37 GMT

@mstarkey

O2 usually take all UK cards although if it's a newish one on the card market you could have problems.

You need to call customer service.

Call 202 from your mobile or use Skype to call 0800 032 1402

All other numbers and methods of contact are in this guide

Guide: Coronavirus Community Help and Support

When you call, you will be asked for the reason you are calling,

Stay silent for 15 seconds and you will be taken to the keypad options.

Press 2 for Everything Else

Press 5 for More Options

Press 7 for Anything Else which will put you though to an advisor.

Press Upgrade, Lost/Stolen or Fraud if you have to.

8am is the best time to call

Re: 12 month contract - payment declined Revolut

mstarkey — Sat, 10 Jul 2021 07:45:56 GMT

Thanks for the very fast responses! I'll give them a ring.

Re: 12 month contract - payment declined Revolut

madasaf1sh — Sat, 10 Jul 2021 07:48:17 GMT

@mstarkey

Depending on what revolut card you have it may not be a UK Card number, and as such it is not accepted by o2

I would reach out to revolut support (good luck) and see if they can see a problem.

If need be they can raise it to Mastercard if it is a UK Card Number as this is against the MC Acceptance Conditions.

Re: 12 month contract - payment declined Revolut

Cleoriff — Sat, 10 Jul 2021 07:53:29 GMT

Best of luck @mstarkey

Re: 12 month contract - payment declined Revolut

MI5 — Sat, 10 Jul 2021 08:22:15 GMT

You're welcome 😁

Re: 12 month contract - payment declined Revolut

mstarkey — Sat, 10 Jul 2021 09:20:07 GMT

CS couldn’t help! Just tried again and got this.
Your order can't be completed.

As well as our credit scoring system, we use business policies to check all new applications. This time, you didn’t meet the minimum level.

Our business policies are commercially sensitive, so we're unable to tell you the specific reason for rejecting your application.

The details of your basket are available in the 'Your order' link above.

Re: 12 month contract - payment declined Revolut

Cleoriff — Sat, 10 Jul 2021 09:42:18 GMT

@mstarkey

So they are inferring you failed the credit check?

Have you had anything from O2 before without a problem?

Or anything else refused on credit?

Seems a bit weird to me that you have an issue with a card then suddenly fail your application.

I would try instore.

Re: 12 month contract - payment declined Revolut

MI5 — Sat, 10 Jul 2021 10:19:14 GMT

@mstarkey

The system will automatically reject you due to multiple credit checks in quick succession.

You would have been credit checked the first time you applied and again the second time, so that's an instant fail I'm afraid.

Re: 12 month contract - payment declined Revolut

madasaf1sh — Sat, 10 Jul 2021 12:29:54 GMT

@mstarkey

To be fair Revolut is not a UK Bank, its a Lithuanian Bank, and uses a third party to provide UK Sort Codes and Account Numbers this is Barclays.

How many times have you tried?

Re: 12 month contract - payment declined Revolut

mstarkey — Sat, 10 Jul 2021 14:44:49 GMT

While I was out I popped into a store & asked about this, they confirmed that the issue is with Revolut, apparently not trusted, so that's why it was refused. Also not trusted is Starling (UK based) however they told me that Monzo is on their "good bank" list. All this seems far too much trouble to go through to let them accept £8/month off me so I'll be looking elsewhere. Oh and in the process they've screwed up my credit rating for 30 days! Maybe PAYG has a future after all 🙂

Re: 12 month contract - payment declined Revolut

madasaf1sh — Sat, 10 Jul 2021 14:49:15 GMT

@mstarkey

Interesting to hear Starling is on their as used Starling with o2 previously, but now use Monzo and not come across this with people I know who are with Starling either.

It's down to the amount of fraud registered by users of these banks

I know Vodafone have issues with Monzo and Revolut.

Revolut the problem will be its not a UK Bank
Three and EE just have problems lol

Re: 12 month contract - payment declined Revolut

mstarkey — Sat, 10 Jul 2021 14:51:59 GMT

@madasaf1sh Interesting, so you think I'd be ok getting the deal I want with Monzo?

Re: 12 month contract - payment declined Revolut

madasaf1sh — Sat, 10 Jul 2021 15:09:22 GMT

@mstarkey

Possibly, I use Monzo for all my o2 bills, upgrades and the like and never had a problem.

However, I would wait a while before reapplying with o2, as more attempts will mean more credit checks.

Re: 12 month contract - payment declined Revolut

mstarkey — Sat, 10 Jul 2021 15:13:17 GMT

Ok, thanks. Does 30 days sound about right?

Re: 12 month contract - payment declined Revolut

madasaf1sh — Sat, 10 Jul 2021 15:29:16 GMT

@mstarkey

We don't know o2's business policies, but if o2 have done hard searches they will be on your credit report for up to a year.

Re: 12 month contract - payment declined Revolut

MI5 — Sat, 10 Jul 2021 16:03:34 GMT

@mstarkey

As I mentioned before, the refusal is due to 2 credit checks in quick succession.

From experience, you need to wait 30 days before trying again with a trusted bank account.

Re: 12 month contract - payment declined Revolut

liggerz87 — Mon, 12 Jul 2021 00:04:19 GMT

I also bank with starling also have Monzo and Barclays not had any problems with either

Re: 12 month contract - payment declined Revolut

Cleoriff — Mon, 12 Jul 2021 06:16:20 GMT

@liggerz87

Do you use any of them with O2?