topic Re: iPhone 16 pro Max switch up in Discussions & Feedback

iPhone 16 pro Max switch up

squid7827 — Mon, 09 Sep 2024 20:15:33 GMT

Hi there. Curious if O2 do credit checks for switch ups or if it’s just an O2 arrears check? Don’t have the best credit history including a previous insolvency, so want to know what the odds of getting accepted are before I go in store and spend the £50 pre ordering the device on Friday. Wanting the 1TB model if that makes any difference.

Re: iPhone 16 pro Max switch up

Benlfc — Mon, 09 Sep 2024 20:28:17 GMT

@squid7827 my understanding is since the change over in billing system they credit check for everything now whether that be new lines, upgrades and switch up. I could be wrong and I’m sure someone with better knowledge will correct me if I am

Re: iPhone 16 pro Max switch up

Enlli — Mon, 09 Sep 2024 20:33:31 GMT

Certainly do them for upgrades so I suspect they do them for switch up, after all you are effecively taking out a loan on a very expensive phone

Re: iPhone 16 pro Max switch up

Benlfc — Mon, 09 Sep 2024 20:34:09 GMT

@Enlli they never used to on upgrades that’s why a lot of people wonder these days

Re: iPhone 16 pro Max switch up

squid7827 — Mon, 09 Sep 2024 20:37:41 GMT

I’ve got the 14 pro max now and was never credit checked for it - I got this in January of 2023

Re: iPhone 16 pro Max switch up

Benlfc — Mon, 09 Sep 2024 20:44:14 GMT

@squid7827 the new billing system has been since then, people were slowly being rolled over to it and I’d suspect all if not the majority are now on it

Re: iPhone 16 pro Max switch up

Enlli — Mon, 09 Sep 2024 20:48:15 GMT

They do now.

Re: iPhone 16 pro Max switch up

squid7827 — Mon, 09 Sep 2024 20:50:06 GMT

Come to think of it, I did get an email a while back about my payment changing. Guess that’s me not getting the 16 😂

Re: iPhone 16 pro Max switch up

Benlfc — Mon, 09 Sep 2024 20:53:12 GMT

@squid7827 I assume how long you’ve been with them and account history will also be contributing factors as they used to be.

Re: iPhone 16 pro Max switch up

squid7827 — Mon, 09 Sep 2024 21:06:28 GMT

I’ll have a chat to the live chat team tomorrow and see what they think. I’ve been offered credit cards, so it’s not impossible or unheard of but obviously a £500 credit card is very different to a £1,600 phone

Re: iPhone 16 pro Max switch up

Benlfc — Mon, 09 Sep 2024 21:12:08 GMT

@squid7827 I wouldn’t bother talking to live chat, if you spoke to 10 different advisors every single one would tell you something different, if not every single one at least half of them 🤣

Re: iPhone 16 pro Max switch up

MI5 — Mon, 09 Sep 2024 21:17:29 GMT

You can ask live chat the time and they'd get it wrong.

Bottom line is that you will be credit checked. If you already have an account with O2 and it is in good standing, you are likely to be accepted for a switch up. For a new contract, however, it is highly unlikely.

Re: iPhone 16 pro Max switch up

jonsie — Mon, 09 Sep 2024 21:22:17 GMT

By being offered credit cards then obviously credit checks will have been done

Hope they weren't too recent...

Re: iPhone 16 pro Max switch up

squid7827 — Mon, 09 Sep 2024 21:24:36 GMT

I’m not stupid, I know credit checks will have been done. But it was in March, if you must know. And soft searches are also a thing.

Re: iPhone 16 pro Max switch up

squid7827 — Mon, 09 Sep 2024 21:25:25 GMT

Sorry - would you advise skipping live chat and just asking in store? I assume the credit check would be done before taking the deposit for the new device?

Re: iPhone 16 pro Max switch up

MI5 — Mon, 09 Sep 2024 21:30:51 GMT

@squid7827 wrote:
Sorry - would you advise skipping live chat and just asking in store? I assume the credit check would be done before taking the deposit for the new device?

@squid7827

The deposit has to be paid when you pre order.

The credit check doesn't take place until you go to collect the phone and complete the process.

The deposit will be returned if you fail, but in fairness, we've never heard of anyone failing a switch up check.

Re: iPhone 16 pro Max switch up

squid7827 — Mon, 09 Sep 2024 21:36:57 GMT

That’s great. I’ve also heard of some horror stories of balances being wiped but failing the checks so can’t get the old phone back - is that a thing? Sorry for the bombardment just nice to talk to someone who knows their stuff!

Re: iPhone 16 pro Max switch up

MI5 — Mon, 09 Sep 2024 21:39:14 GMT

Lots of speculation on here about that @squid7827 but no one has ever posted here that it has happened to them, so far.

Re: iPhone 16 pro Max switch up

squid7827 — Mon, 09 Sep 2024 21:41:15 GMT

Feel like I’m taking a risk with that. Hopefully when I go into store on Friday they can explain a little bit better

Re: iPhone 16 pro Max switch up

jonsie — Mon, 09 Sep 2024 21:42:55 GMT

@squid7827 wrote:
I’m not stupid, I know credit checks will have been done. But it was in March, if you must know. And soft searches are also a thing.

Why so defensive to the point of being downright rude?

I was just pointing out that you have had credit check or checks as you said cards...plural

And just so you know I'm not stupid either, I do know all about soft checks and hard checks

As I worked 12 years at RBS doing credit checks for credit card let me assure you that credit card checks are hard checks!