Taking out a new contract after switching to PAYG

[Patrik-Jay]

Hi all.

When I first joined O2 my credit score was abysmal (its still not great), and I couldn't get a phone contract anywhere. To counter this I took out a sim only plan with O2 and built up a good payment history until they allowed me to upgrade to a device plan. To this date, I have never missed a payment with O2.

My current phone will be paid off in March, and I intend to switch to PAYG for a while to keep costs down. My question is - If I do this, but decide I want a new device at some point in the future, will my good payment history with O2 carry over, or will I be judged based on my current credit score when I apply for a new device plan?

Thanks.

[jonsie]

You will still need to go through credit and affordability checks

Even upgrades are sometimes credit checked albeit soft checks

[MI5]

@Patrik-Jay 

It will be based on O2's own criteria which takes all factors into account including a hard credit check.

This applies to everyone now regardless of history or current contract.

The only way you are guaranteed to remain a customer is to not change anything at all.

[Patrik-Jay]

Ah, thanks for the replies guys. Sounds like I'd be better off just opting for a smaller data plan.

[Oxonian]

@Patrik-Jay 

So whether or not you move to PAYG now will have absolutely no impact on whether or not you can procure a new device from O2 at some point in the future. 

If O2 won't let you buy a new device from them, there are plenty of other suppliers out there ! 😀