Sim only deal to phone contract

Legron24

Hi all.
Never been on here so apologies if this is a question that has already been asked, but I was hoping someone could give me a bit of advice.
I have been on a 12-month sim only plan on Three mobile, and when that’s up I’ll be looking to upgrade my handsets, if I go through an ‘existing customer’ deal on Three and apply for a contract, do I have more of a chance of being accepted? Even if I was to go for a contract with an upfront fee to give them a bit of a guarantee? I know that sim only deals are counted for on credit reports and can help build credit, but would it prove anything to the company themselves?

DCFC79

Legron24 wrote: »

Hi all.
Never been on here so apologies if this is a question that has already been asked, but I was hoping someone could give me a bit of advice.
I have been on a 12-month sim only plan on Three mobile, and when that’s up I’ll be looking to upgrade my handsets, if I go through an ‘existing customer’ deal on Three and apply for a contract, do I have more of a chance of being accepted? Even if I was to go for a contract with an upfront fee to give them a bit of a guarantee? I know that sim only deals are counted for on credit reports and can help build credit, but would it prove anything to the company themselves?

Choose whichever option you like. Well when its time ring up three and see what deal they can do. How old is your phone ?

Legron24

Hi thanks for the reply.
My phone is an iPhone 7 so not all too old, but i have been looking at a different phone - which is a cheaper handset and less valuable to a company I would imagine. My credit rating isn!!!8217;t great but has been improving, so I would hope this would improve my chances of getting a monthly handset deal. I was just wondering if the fact that I have regularly made payments to the company would that be taken into account after they review my application?

Thanks all

macman

Yes. Lenders want to see a history of credit being taken and repaid-on time. Any CCJ's, defaults, or late payments make you a higher risk.