iPhone 16 pro Max switch up

[squid7827]

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.

[Benlfc]

@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

[Enlli]

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

[Benlfc]

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

[squid7827]

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

[Benlfc]

@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 

[Enlli]

They do now.

[squid7827]

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 😂

[Benlfc]

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

[squid7827]

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