topic Re: Failed Credit Check in Pay Monthly

Failed Credit Check

Theo9 — Thu, 15 May 2025 09:48:45 GMT

Hi all.

I already have one phone contract with O2 and a few weeks ago i tried to setup an additional line online. I bypassed the credit checks fine but the £1 upfront payment kept failing for some reason… I got stuck at this part 3/4 times.

So then on Monday (few days ago) i decided to call the customer service team and put the order through that way and it worked fine. My order was meant to come the next day however it didn’t and it got cancelled yesterday randomly due to a “shipping issue.”

Now today i’ve tried to put through the order again and it’s failing a credit check!!! My credit score is near perfect and I understand O2 are not obligated to give me credit but it’s worked 5 times in the last few works and now suddenly isn’t? Also, i just experimented with a £8 a month sim only plan and it also got rejected. So i’m assuming this is issue is because I have done too many checks, so my question is what do i do now?

Re: Failed Credit Check

Cleoriff — Thu, 15 May 2025 09:55:23 GMT

@Theo9

You're correct. Too many credit checks usually end in failure.

You need to wait a couple of weeks before trying again.

Or you could try the sales dept:

message them on Social Media if that works best for you -on Facebook ( https://o2uk.co/O2CFB) , Twitter ( https://o2uk.co/O2CTW) or Instagram ( https://o2uk.co/O2CIG)

Or you can call them on 0800 081 0255

Guide: How to find help & contact O2

Re: Failed Credit Check

Theo9 — Thu, 15 May 2025 10:22:29 GMT

Thanks for the quick reply!

Do you know if there a timeframe on this sort of thing? I did just phone and speak to a representative and they told me to try again in 3 days but they didn’t sound very sure lol

Re: Failed Credit Check

MI5 — Thu, 15 May 2025 10:29:35 GMT

Usually we advise waiting 30 days @Theo9

Re: Failed Credit Check

Cleoriff — Thu, 15 May 2025 10:48:10 GMT

@Theo9 wrote:
Thanks for the quick reply!

Do you know if there a timeframe on this sort of thing? I did just phone and speak to a representative and they told me to try again in 3 days but they didn’t sound very sure lol

You're very welcome @Theo9