Solved: Re: Sim only upgrade credit check

Anonymous · ‎16-11-2016

Hi all

I'm new to 02 and I'm on a 12 month sim only contract £25 (25gig unlimited call unlimited texts) now I have a date for my upgrade which is 7/1/2017 and I have been given quite a few different stories about the credit check what I want to know is will I get my upgrade done no problem get the phone I want I'm after either "iphone 7/7+" or "Samsung s7 edge" or will there be another credit check I'm willing to pay upto £80 for the upfront cost and looking at maximum £70 a month for the actual contract.

I have looked at the 02 community and Google it but 90% I'm seeing "no credit check for upgrade"

If anyone could help me that would be great thanks

Anonymous · ‎16-11-2016

Hi thank you for your feedback and answers I have just come off the phone to the upgrade team after 40 minutes and I told him what I was told previously as stated in my comment on here and he said cos January will be my 6 month of paying I will definitely be able to get a phone contract and that if I carry on paying the next couple of bills I will not be credit checked again it will go through without cos they go by bills paid/account upto date plus they use there own little credit system it's just to see you can pay your bills he said don't worry just ring up and we will give you the best deals on whatever phone you want

View solution in original post

MI5 · ‎16-11-2016

Normally, only new contracts get credit checked.
If you've been paying on time on your sim only for 12 months you should be fine but worst case you may have to pay an additional deposit which you get back after 3 months of on time payments.

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Curr946 · ‎16-11-2016

Its my understand that due to how the refresh plans are sold, a credit check is don't for the handset, and its recorded as a loan. However, your past payments to o2 will be taken into account and provided there was no late payments etc, you really shouldn't have an issue.

Current Phone: Sony Xperia XZ Premium

Cleoriff · ‎16-11-2016

I originally had a standard 2 year contract. Credit checked. I never missed a payment as I paid by Direct debit. Since then I have had 2 12 month simo contracts. No credit checks ...due to the fact I never missed a payment. All down to how you conduct your contract obligations

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MI5 · ‎16-11-2016

The variation here is that the OP wants to go from simo to a full phone contract so the assumption is that a credit check will be required to take the phone loan part.

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.
Please select the post that helped you best and mark as the solution. This helps other members in resolving their issues faster. Thank you.

jonsie · ‎16-11-2016

I'm 99% sure that there will be a credit check going from sim only to Refresh.

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MI5 · ‎16-11-2016

@jonsie wrote:
I'm 99% sure that there will be a credit check going from sim only to Refresh.

That seems to be the general consensus.

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.
Please select the post that helped you best and mark as the solution. This helps other members in resolving their issues faster. Thank you.

viridis · ‎16-11-2016

But not if done in carphone warehouse, i believe.

MI5 · ‎16-11-2016

That might be an option then, but of course, no refresh or O2 discounts then.

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.
Please select the post that helped you best and mark as the solution. This helps other members in resolving their issues faster. Thank you.

Cleoriff · ‎16-11-2016

I think, yet again, the wording of Upgrade or New contract causes confusion (from the ops opening post)

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