topic Re: Upgrade from sim only to handset application needs looking at in My O2

Upgrade from sim only to handset application needs looking at

Sarahlou666 — Mon, 17 Mar 2025 11:34:19 GMT

Hi,

This morning I checked my o2 account and it said eligible for an upgrade, I currently have a sim only contract which I have had around 6 months , when I started placing the order I got a message saying it looks like you will pass a credit check so I proceeded to order, I paid the upfront fee and then got an email from o2 credit risk team saying we need to take a look at your application and we will get back to you within 24 hours , my credit score is poor however this is from old historical debt, I'm in a much better financial position now, I just hit a few speed bumps with debt after a relationship breakdown resulting in only one income. I desperately need a new phone as mine is currently not working. Does this sound like I may get rejected ? I have always paid my o2 bill on time , never missed a payment

Re: Upgrade from sim only to handset application needs looking at

MI5 — Mon, 17 Mar 2025 11:40:21 GMT

@Sarahlou666

Looks like you should contact the sales team as they can help with that – message them on Social Media if that works best for you - on Facebook (https://o2uk.co/O2CFB) , X (https://o2uk.co/O2CTW) or Instagram (https://o2uk.co/O2CIG)

Or you can call them on 0800 081 0255

Thanks

Re: Upgrade from sim only to handset application needs looking at

Enlli — Mon, 17 Mar 2025 11:43:04 GMT

Nobody here can say. O2's credit risk team are a law to themselves.

They will have probably done some affordability checks but they will do a full credit check and make a decision on that.

Hopefully you will be OK

Re: Upgrade from sim only to handset application needs looking at

Sarahlou666 — Mon, 17 Mar 2025 11:52:48 GMT

I called customer service to see if there was an update, but the advisor said i needed to cancel my order and reorder with him , I declined as I don't want to have to pay the upfront cost again, I then spoke with the online chat guys and they said I don't need to cancel so I am so confused

Re: Upgrade from sim only to handset application needs looking at

MI5 — Mon, 17 Mar 2025 11:58:28 GMT

@Sarahlou666

You'll just have to wait and see then.

Your upfront payment will only be pending with your bank and not taken by O2 unless you are accepted anyway, so you haven't actually spent the money yet.

Re: Upgrade from sim only to handset application needs looking at

Enlli — Mon, 17 Mar 2025 12:16:34 GMT

I hate to say it but I would suspect the person who said you need order through them was just looking to make commission.

You might have found it hard to cancel the original order but almost certainly got another hard credit search which will do your credit rating no good at all

You did the right thing to refuse

Re: Upgrade from sim only to handset application needs looking at

MI5 — Mon, 17 Mar 2025 12:21:02 GMT

Sadly, these days, customer service is only interested in selling stuff you don't need.

Re: Upgrade from sim only to handset application needs looking at

Sarahlou666 — Mon, 17 Mar 2025 12:31:53 GMT

That's what I thought too, that's why I declined and he was quick to end the call.

Just hope i am accepted for the upgrade as my phone doesn't work properly 😪

Re: Upgrade from sim only to handset application needs looking at

Oxonian — Mon, 17 Mar 2025 19:55:30 GMT

If O2 decline you @Sarahlou666, please do not forget that you might get a better deal and credit too by buying direct from the manufacturer - Samsung, Apple etc. 👍

Re: Upgrade from sim only to handset application needs looking at

Sarahlou666 — Thu, 20 Mar 2025 09:41:08 GMT

update

I received my new phone ,

However I placed a second order for a second line for my husband

And the order has been accepted but apparently the agent who placed the order 2 days ago has locked the order . I'm not even sure what this means but I have been advised to create a new order yet again, but this won't guarantee a passed credit check due to the amount of checks over the last two days 🙄

Re: Upgrade from sim only to handset application needs looking at

MI5 — Thu, 20 Mar 2025 10:27:35 GMT

Just a case of waiting again to see what happens @Sarahlou666

If it gets declined or lapses, wait 30 days before ordering again.