Sim Only

[tommy_boi]

Tried finding the answer to this but can’t so thought I’d try here, basically I’ve just got a sim only contract if I ever decide to get a phone with o2 will I have to credit check again or do they not credit check on upgrades, is there a minimum term etc before upgrading?. Thanks. 

[MI5 · Accepted solution]

@tommy_boi 

There are no credit checks for upgrades.

Minimum is 3 months but in some cases it's 6 months.

Customer service will confirm which it is for you.

[tommy_boi]

It does say 6 months on my account but I’ve read on here it’s actually 3 months but the system defaults to 6 for some reason, is this true?. Thanks. 

[MI5]

@tommy_boi 

It varies by customer but in general if you pay in full on time for 3 months you should be OK.

T&C's here https://www.o2.co.uk/termsandconditions/rewards/sim-only-upgrade-to-refresh-after-3-months-terms-and...

[tommy_boi]

Ok I’ll speak to CS and see what they say nearer the time. Thanks. 

[MI5]

Good luck

[madasaf1sh]

@tommy_boi 

From reading the terms you are now credit checked, as the rules around CCA's are that you need to pass the Credit and affordability checks, and the 3months is for eligible customers now.

"You are eligible for O2 Refresh (subject to credit status, eligibility and Refresh terms)."

[tommy_boi]

Spoke to CS and there isn’t any additional credit checks apparently when upgrading from sim only. 

[MI5]

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@tommy_boi wrote:

Spoke to CS and there isn’t any additional credit checks apparently when upgrading from sim only. 

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That is correct as I said above.......