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Level 1: Joiner
Posts: 3
Registered: ‎11-07-2018

credit check rejected

I wanted to order the Apple Watch online. When I typed my bank card details the answer was "something went wrong"... or something like this. I realised there was a mistake in the system because I didn't change the address to my new address. After I changed the old address to the right address and the system rejected my application because my credit score is not enough for the minimum. I checked online my credit score and it's not bad. I've never missed a payment.


Is it can be a problem that I tried a few times with the wrong address? When can I try again? 

Posts: 90,165
Topics: 539
Solutions: 11,782
Registered: ‎04-04-2012

Re: credit check rejected


If it is due to too many attempts it's best to leave it a couple of weeks before you try again online, but it might be worth you calling to see if customer services can override it for you.


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.

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Posts: 76,440
Topics: 700
Registered: ‎14-01-2013

Re: credit check rejected


If you want to do it online then you need to wait for a few days otherwise the computer will still say No


Your best best is to contact customer services and order it that way https://www.o2.co.uk/contactus

Or go instore...

Hope that helps and welcome to the forumWelcome

*The Game Is On*

Level 10: Inspirational
Posts: 484
Registered: ‎27-05-2019

Re: credit check rejected

[ Edited ]



Credit checking (with any organisation extending credit) usually involves address verification so if it doesn't match up it's pretty much a certainty it will decline.


As has been said, leave it a couple of weeks or possibly a month before you try again.


Oh and the credit score you can see on Equifax, Experian or TransUnion (formerly Callcredit) isn't a guarantee you'll get any specific credit agreement as this depends on the lender's credit decision procedures which they won't discuss with customers.


Good luck and remember, all good things come to those who wait.....

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I don't work for O2 but have an interest in networks (including mobile) and IT (which is how I earn my living)
Posts: 72,814
Topics: 556
Solutions: 3,455
Registered: ‎04-01-2009

Re: credit check rejected

Just be aware that any credit check affects your credit rating. Too many checks in any given period will have an adverse effect.