O2 credit check refusal

JohnBoy1959 · 13-06-2009, 11:03

O2 refused my credit check yesterday for a iPhone, but it might be because I made a mistake on the Carphone Warehouse online order form. Is it worth reapplying on the CPW site with the correct info?

flagpole · 13-06-2009, 12:05

i think you need to speak to them as, after being turned down you can't normally reapply for a few months.

JohnBoy1959 · 13-06-2009, 12:11

I thought that might be the case, thanks

darkjedimaster · 13-06-2009, 17:24

Hi there,

I was chatting to a friend earlier who got his contract for o2 with cpw & it is just as well you got refused as there is a catch.

When you sign up to o2 via cpw, all your billing is dealt with cpw in fact everything to do with your account is with cpw.

I also got refused by cpw / mobiles.co.uk for an iphone but then I phoned o2 & they said to me that next week once the new iphone comes in store, for me to get in touch via web / phone / pop into store & they will retry the application for me under there credit checking.

The o2 sales peep who I spoke to on the phone said that sometimes cpw will give you an 100% refusal for their o2 contract where as o2 may only give you a partial refusal, which will then require you to lay down a deposit which you get creddited to your account in 3 months.

Good luck

S-T-E-V-E · 13-06-2009, 18:19

CPW haven't been billing new customers for over a year so the credit check that we run is exactly the same as the one o2 will do.

Adam Law · 13-06-2009, 18:31

I just ordered a O2 Sim Only deal and I been referred for a credit and risk check. God knows why I never missed any kind of payment on anything. Oh well.

S-T-E-V-E · 13-06-2009, 18:34

Referred on a Sim Only

Things must be bad.....

flagpole · 13-06-2009, 19:18

i believe it's an urban myth that the sim only credit check is easy. you could still run up a huge bill. certainly vodafone said on their forums that it's the same.

the networks run a pragmatic credit check in the event of a partial fail. vodafone will consider other evidence, o2 will take a deposit etc.

cpw are just a bunch of ####s basically.

Ricardodaforce · 13-06-2009, 19:31

Quote:

Originally Posted by flagpole

i believe it's an urban myth that the sim only credit check is easy. you could still run up a huge bill. certainly vodafone said on their forums that it's the same.

the networks run a pragmatic credit check in the event of a partial fail. vodafone will consider other evidence, o2 will take a deposit etc.

cpw are just a bunch of ####s basically.

When I was at TMO, some people were refused full contracts but offered SIMOs as a result of the credit check. Some who applied for a SIMO were only offered the "lite" version, ie no MMS or roaming allowed.

flagpole · 13-06-2009, 19:35

i actually think fear of credit checks is one of the things that reduces network churn.

Appleseed · 13-06-2009, 19:46

Forget the iPhone, go for simplicity, conduct your account 100% as you should for a few months, pay the bill bang on time (or before it's due) and then ask to 'upgrade' to a full contract. They prob won't even bother credit checking you again.

S-T-E-V-E · 13-06-2009, 21:42

Quote:

Originally Posted by flagpole

cpw are just a bunch of ####s basically.

I'll remember that when i go to work tomorrow and someone gets declined.

P***k's like you make me sick with your blinkered views, goto P4U if you want and see if you get treated any better!!!

13-06-2009, 11:03	#1
JohnBoy1959 Forum Member Join Date: Jun 2003 Location: Camden, London Posts: 183	O2 credit check refusal O2 refused my credit check yesterday for a iPhone, but it might be because I made a mistake on the Carphone Warehouse online order form. Is it worth reapplying on the CPW site with the correct info?

13-06-2009, 12:05	#2
flagpole Inactive Member Join Date: Jan 2003 Posts: 43,524	i think you need to speak to them as, after being turned down you can't normally reapply for a few months.

13-06-2009, 12:11	#3
JohnBoy1959 Forum Member Join Date: Jun 2003 Location: Camden, London Posts: 183	I thought that might be the case, thanks

13-06-2009, 17:24	#4
darkjedimaster Forum Member Join Date: Sep 2007 Location: The Deathstar Posts: 15,398	Hi there, I was chatting to a friend earlier who got his contract for o2 with cpw & it is just as well you got refused as there is a catch. When you sign up to o2 via cpw, all your billing is dealt with cpw in fact everything to do with your account is with cpw. I also got refused by cpw / mobiles.co.uk for an iphone but then I phoned o2 & they said to me that next week once the new iphone comes in store, for me to get in touch via web / phone / pop into store & they will retry the application for me under there credit checking. The o2 sales peep who I spoke to on the phone said that sometimes cpw will give you an 100% refusal for their o2 contract where as o2 may only give you a partial refusal, which will then require you to lay down a deposit which you get creddited to your account in 3 months. Good luck

13-06-2009, 18:19	#5
S-T-E-V-E Forum Member Join Date: Apr 2008 Location: Leeds, UK Posts: 844	CPW haven't been billing new customers for over a year so the credit check that we run is exactly the same as the one o2 will do.

13-06-2009, 18:31	#6
Adam Law Forum Member Join Date: Aug 2000 Location: London, England, UK Posts: 1,682	I just ordered a O2 Sim Only deal and I been referred for a credit and risk check. God knows why I never missed any kind of payment on anything. Oh well.

13-06-2009, 18:34	#7
S-T-E-V-E Forum Member Join Date: Apr 2008 Location: Leeds, UK Posts: 844	Referred on a Sim Only Things must be bad.....

13-06-2009, 19:18	#8
flagpole Inactive Member Join Date: Jan 2003 Posts: 43,524	i believe it's an urban myth that the sim only credit check is easy. you could still run up a huge bill. certainly vodafone said on their forums that it's the same. the networks run a pragmatic credit check in the event of a partial fail. vodafone will consider other evidence, o2 will take a deposit etc. cpw are just a bunch of ####s basically.

13-06-2009, 19:31	#9
Ricardodaforce Inactive Member Join Date: Oct 2005 Location: Alacant Posts: 7,773	Quote: Originally Posted by flagpole i believe it's an urban myth that the sim only credit check is easy. you could still run up a huge bill. certainly vodafone said on their forums that it's the same. the networks run a pragmatic credit check in the event of a partial fail. vodafone will consider other evidence, o2 will take a deposit etc. cpw are just a bunch of ####s basically. When I was at TMO, some people were refused full contracts but offered SIMOs as a result of the credit check. Some who applied for a SIMO were only offered the "lite" version, ie no MMS or roaming allowed.

13-06-2009, 19:35	#10
flagpole Inactive Member Join Date: Jan 2003 Posts: 43,524	i actually think fear of credit checks is one of the things that reduces network churn.

13-06-2009, 19:46	#11
Appleseed Forum Member Join Date: Sep 2006 Location: Norfolk Posts: 3,673	Forget the iPhone, go for simplicity, conduct your account 100% as you should for a few months, pay the bill bang on time (or before it's due) and then ask to 'upgrade' to a full contract. They prob won't even bother credit checking you again.

13-06-2009, 21:42	#12
S-T-E-V-E Forum Member Join Date: Apr 2008 Location: Leeds, UK Posts: 844	Quote: Originally Posted by flagpole cpw are just a bunch of ####s basically. I'll remember that when i go to work tomorrow and someone gets declined. P***k's like you make me sick with your blinkered views, goto P4U if you want and see if you get treated any better!!!

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O2 credit check refusal