topic Re: Switch up credit check in Discussions & Feedback

Switch up credit check

Hamboi — Thu, 11 Sep 2025 15:26:17 GMT

Hi gang! Question for the room. Do we know if o2 do a full credit check on switch up customers?? Curious if anyone has ever failed a switch up? Lots of conflicting answers on the web!

Re: Switch up credit check

MI5 — Thu, 11 Sep 2025 15:40:12 GMT

@Hamboi

Yes they do and no one has ever reported failing on here.

Re: Switch up credit check

Hamboi — Fri, 12 Sep 2025 09:14:22 GMT

Great news! Thank you!

Re: Switch up credit check

Anonymous — Fri, 12 Sep 2025 17:15:14 GMT

Nope, even I passed credit checks and I've been on benefits since I was 17.

Re: Switch up credit check

MI5 — Fri, 12 Sep 2025 17:39:23 GMT

Priceless.

Re: Switch up credit check

jonsie — Fri, 12 Sep 2025 17:44:31 GMT

For everything else there's Barclaycard....

Re: Switch up credit check

Anonymous — Fri, 12 Sep 2025 18:09:29 GMT

@jonsie And that's why I'm currently in bad debt because I was always on eBay and stuff buying stuff on my card.

Re: Switch up credit check

MI5 — Fri, 12 Sep 2025 19:00:17 GMT

Excellent life skills......

Re: Switch up credit check

jonsie — Fri, 12 Sep 2025 19:41:40 GMT

Well @Anonymous I know we take the mick with you but glad to see you take it in good heart

Re: Switch up credit check

garetc — Fri, 12 Sep 2025 20:28:56 GMT

Isn't it just an internal check if you've been with them for more than 6-months and have a good payment history?

Re: Switch up credit check

Anonymous — Fri, 12 Sep 2025 20:30:50 GMT

Nope, they credit check each new customer, it's not very good business to give expensive contracts to Fred Bloggs from Barnsley if he has a poor credit score is it?

Re: Switch up credit check

garetc — Fri, 12 Sep 2025 20:34:33 GMT

The OP isn't a new customer, they're an existing looking to Switch Up?

Re: Switch up credit check

madasaf1sh — Fri, 12 Sep 2025 21:23:30 GMT

They still run a credit check, as its to do with the FCA rules on credit agreements...

And in store and online it does say they run a credit check and it will also do an internal check..