Hi 😊
I've been a SIM-only customer for many years and never got any phones with my upgrades (Because they're just overpriced, in my opinion).
So I couldn't be bothered to change my contract for the past 4 years or so and just kept it rolling until this week. And I thought you know what, let me check my stats and see if I actually would still need this current bundle (Unlimited Data). As it turns out, I never even come close to using 30GB a month, so I thought, let's downgrade to a cheaper option. (I have been paying £32.74; turns out I can save about £10 a month! )
Fast forward: clicked my upgrade message > chose the cheaper bundle > checkout and I got this message:
You’re likely to pass a credit check
Based on the information we have, we think you’re likely to pass a credit check.
We’ll complete the full credit check when you checkout, which will be recorded as a ‘search’ on your credit file.
Why on earth are they running a credit check? I believe this makes complete sense with a brand new customer, loan/finance/upgrade with new phones etc. But a cheaper SIM-only deal? 🤔
I've been a loyal customer for years, never had any arrears, got a great credit score, and now I just need to accept a drop in my credit score because I want to downgrade and save money... Make it make sense 😢
All I want is to pay less, but to me, this feels like a loyal existing customer means nothing to O2, and they just want me to stay on the more expensive deal and avoid an adjustment to my credit score.
Any advice will be appreciated!
Many thanks in advance!
