Second line declined

[Anonymous]

Hi, I am new to the forums and not sure this is in the right section?, but here goes, I was hoping for some advice, I have been with O2 for about 10years, always paying my bill ontime (direct debit) never missing a payment and always upgrading phones in O2 stores, in November last year I upgraded tona new iPhone 6 without any issue, I now would really like an iPad, having phoned them for advise I opted for an iPad Air with the data shared between my phone, all was great and I had to pay £40 upfront which was fine, then right at the end he said I had been declined!!! I was shocked and all he could say was email credit file referrals, I did this and got some automated response about sorry you've declined!, I am still unsure why 1-there's no loyalty(10 years without any payment problems) 2-why they would give me an iPhone 6 which is worth more? Any help would be greatly appreciated, thanks

[viridis]

So many variables it's impossible for anyone here to tell you why, unfortunately.
Your best couse of action would be to check your credit score using one of the companies such as equifax to see if there's anything on there that could be causing the system to decline you.
Unfortunately O2 will use these scores as well as looking at account activity when creating a new account and any issue could cause the decline, irrelevant of customer account history.

[Cleoriff]

Hi @Anonymous Without knowing your account details we really cannot advise why you have been declined

Obviously as customers we are not privy to any of that info. There could be a number of reasons....late or missed payment. Attempting to repurchase more than once if credit card declined ...change in financial situation etc etc

Sorry but you really need to get some sort of answer from O2 who are the only people who know the real reason for you being refused further credit

[Anonymous]

Thanks for the replies, I haven't done a credit check, that's my next stop, but I do know that nothing financially has changed since my upgrade in November

[Cleoriff]

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@Anonymous wrote:
Thanks for the replies, I haven't done a credit check, that's my next stop, but I do know that nothing financially has changed since my upgrade in November

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Good idea. This is for a free 30 day trial with Experian

http://www.experian.co.uk/creditexpert2/05_credit_report.html?sc=701687&bcd=Brandgeneric&bcd=CreditReport&gclid=Cj0KEQjwiN6sBRDK2vOO_vaRs5cBEiQAfsnJCb6o0KiD7C7JbIbLmA3zWuu_xG8BPyHNF_pAJH66G9QaAqxp8P8HAQ

[Anonymous]

Thank you Cleoriff

[Cleoriff]

No problems @Anonymous

[Anonymous]

Have you had a credit check done recently @Anonymous? This can be the reason...

[jonsie]

I would expect so as it was only declined at the end and he was advised to email credit referrals.

[MI5]

If you have moved house or changed jobs that can also have an impact on your rating.