3 mobile & 1phone 4 on contract - unbelievablely accepted today

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My missus has no credit history, at all, not one iota. I don't appear on radar except the electoral roll. Otherwise I am the invisible man.

So when today we waltzed into a 3 store and paid £69 for an iphone 4 on contract I was very surprised. Not in my name, but hers.

Now I know there is nothing bad against us but there is no history save a couple of months. I was fully expecting to get knocked back (her) and if lucky, to get away with a hefty deposit but I figured we'd be off buying one from the Apple store (£510) and probably getting the SIM only deal at £25 a month (this is £35 a month on the One Plan).

Before you say it, we couldn't do it online for cashback due to a lack of 3 years addresses (without lying) but speaking to the guy on the phone first, my feeling was that they have more sway than say a CPW.

As an aside, he even said that they had reduced the qualifying criteria downwards because take up was slow today. I don't really believe that but in all honesty, there is no way in hell she should have been given a contract. Maybe a huge mortgage tomorrow then ?

MorrisonsEmployee

Well done:beer:Although its well documented that both 3 and T-Mobile take high risk/bad credit history/no credit history customers.

property.advert

MorrisonsEmployee wrote: »

Well done:beer:Although its well documented that both 3 and T-Mobile take high risk/bad credit history/no credit history customers.

Bit miffed about the inability to get cashback but better to lay out £69 than £510 though it is an extra £10 per month so net £309 versus £510.

I knew she has no bad credit file but information is perhaps useful for those considering, as I was, whether one would be accepted.

As an aside, I did check the Barclaycard checker which does not hit your credit file https://letmechoose.barclaycard.co.uk/ and it said she failed for Barclaycard but had a good chance at one of their partners through the given link.

I think this is a good and non intrusive way to pre check your eligibility (as far as you can).

will-he-payitoff

No big suprise, youve just paid £900 for a phone thats going to be replaced by Iphone 5 in a couple of months.

spaceman5

will-he-payitoff wrote: »

No big suprise, youve just paid £900 for a phone thats going to be replaced by Iphone 5 in a couple of months.

not if the rumours are true about an autumn release this year

watcherman

will-he-payitoff wrote: »

No big suprise, youve just paid £900 for a phone thats going to be replaced by Iphone 5 in a couple of months.

Classy....

BRSurvivor

will-he-payitoff wrote: »

No big suprise, youve just paid £900 for a phone thats going to be replaced by Iphone 5 in a couple of months.

Not really, they are paying for the contract and phone. Besides which, whenever the next iPhone is launched, the iPhone 4 will still command good second hand re-sale value.

It's 3 scoring policy that allows it, not the fact that it's been 9/10 months since the iPhone 4 was released.

property.advert

will-he-payitoff wrote: »

No big suprise, youve just paid £900 for a phone thats going to be replaced by Iphone 5 in a couple of months.

Well, the SIM only plan costs £10 less a month so I make that £240+£69 for the iphone which is quite some way under Apple's £510.

I also guess that she could have gone back to smoke signals for the next XXX months as well

Then in a year or two when the Iphone 5 does come out, they'll want a heck of a lot more than £69 for it or even £309 for it over 24 months.