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Turned down for Apple Watch credit - Excellent credit score 🤔

BigJames78
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Hi 

 

I tried to add an Apple Watch 7 on to my account, £18pm. Got an email today to say it was declined. I have an excellent credit score with Experian (980/999). Is this normal for such a small ticket item (relatively speaking) ? 

thanks

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MI5
Level 94: Supreme
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@BigJames78 

If you've moved house or changed jobs recently this can affect the O2 scoring system.

Sadly they will never tell you why they have declined you but you could try credit file referrals to see if they will manually override it.

creditfilereferrals@telefonica.com
Credit File Referrals Team
Suite P
Arlington Business Centre
Leeds
LS11 0NE
Fax 0113 2025865

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.

Currently using:
OnePlus 6 (O2 & Sfr), Z3 Tablet (Three UK), iPhone 8+ (EE)

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madasaf1sh
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@BigJames78 

 

Your credit score means nothing, it is a number designed to sell you products, o2 look at your credit file and also your risk profile.  There is something they dont like on their to not offer you credit. 

 

Your only option with o2 is to wait 30 days and try again...  Or look at the finance offers Apple Offer and buy direct from them. (other retails are available).

Current Phone: Sony XPeria Pro-I and Motorola Razr 5G
I also have a Planet Computers Gemini

I work in IT as an Enterprise Messaging and Collaboration Tools Administrator (Office 365, Slack and much much more) and manage hardware both Mobile and Desktop / laptop, my desk is a bit like PC World

--
We are all customers and dont have access to any o2 accounts





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BigJames78
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I got credit of £9k last year for a car which I was able to pay off 6 months ago, I also have access to my full credit file and there are no negative markers, low credit card usage, no missed payments etc so I’m assuming if there was a problem I wouldn’t have got £9k last year (from a bank)

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madasaf1sh
Level 67: Unsung hero
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At the end of the day o2 dont have to give you more credit, its their choice and as I said what their appetite for risk is, and they obviously see you as a credit / business risk

Current Phone: Sony XPeria Pro-I and Motorola Razr 5G
I also have a Planet Computers Gemini

I work in IT as an Enterprise Messaging and Collaboration Tools Administrator (Office 365, Slack and much much more) and manage hardware both Mobile and Desktop / laptop, my desk is a bit like PC World

--
We are all customers and dont have access to any o2 accounts





Message 4 of 6
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MI5
Level 94: Supreme
  • 127550 Posts
  • 614 Topics
  • 22191 Solutions
Registered:

@BigJames78 

If you've moved house or changed jobs recently this can affect the O2 scoring system.

Sadly they will never tell you why they have declined you but you could try credit file referrals to see if they will manually override it.

creditfilereferrals@telefonica.com
Credit File Referrals Team
Suite P
Arlington Business Centre
Leeds
LS11 0NE
Fax 0113 2025865

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.

Currently using:
OnePlus 6 (O2 & Sfr), Z3 Tablet (Three UK), iPhone 8+ (EE)
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BigJames78
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Yeah I might try that, been at my address (homeowner) for 9 years and same job for 18 years

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