Are you credit checked again after paying off device cost and upgrading

[Anonymous]

Hi

I took out o2 refresh 3 weeks ago but I don't like the phone and it's too late to send back under the 14 days.

My first bill has come out by direct debit, can I pay off the cost of the device (£345) and then upgrade to iphone 6, but on a more expensive plan (currently paying £13.50 for airtime, but want to increase to £17.50) so £47.50 a month in total, instead of £28.50 i'm paying at the moment

Also will there be a 2nd credit check as i've paid off the lumia and taking out an iphone

Thanks

[perksie · Accepted solution]

There's no reason why you can't do that, once the phone is paid off you should be able to upgrade to a new phone and contract.

I'm fairly sure there is no credit check for an existing customer.

[jonsie]

You will be fine, there won't be another credit check. 

[MI5]

I may be wrong, but I believe there will be another credit check due to the fact that refresh handsets are on a separate credit agreement to the airtime.
CS on 202 should be able to confirm or deny it for you though.

[perksie]

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@MI5 wrote:
I may be wrong, but I believe there will be another credit check due to the fact that refresh handsets are on a separate credit agreement to the airtime.
CS on 202 should be able to confirm or deny it for you though.

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I would have thought once you pay for the phone, you're still on a Pay Monthly contract for the airtime and would simply upgrade in the normal way to a new Refresh contract.

[Anonymous]

I think your right @perksie, I was on the 12 month sim only for 18 months, had a credit check when I took the original 12 months out then once I wanted to upgrade to the refresh deals, all they did was change my tariff, I didn't have another credit check so I'm assuming that once you pay off & take out another, they just change your tariff details

[MI5]

Yes, but you will be taking another new phone on credit?

[perksie]

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@MI5 wrote:
Yes, but you will be taking another new phone on credit?

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I'm sure that would only be a formality as you would have just paid for one in full.

[MI5]

Hopefully....

[Anonymous]

Spoke to Customer services who advised there is no credit check if paying off one device and taking another