@Mandypandy22
He can use it but without cellular functions so as long as his phone is nearby it will be OK, it just won't work if he leaves his phone at home for example.
To clear it from your account to allow a cellular connection, you would have to pay off the watch in full. We usually advise buying direct from Apple in these cases.
I have no affiliation whatsoever with O2 or any subsidiary companies. Comments posted are entirely of my own opinion. This is not Customer Service so we are unable to help with account specific issues.
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