Phone contract credit check

joshyboy

Hi everyone,

I'm a recent graduate and just received my Aqua credit card. I'd like to pay my monthly phone bill with it to build credit, so I called to set up my account and they said can we have your details to perform a credit check. I said sorry I'll call back.

My credit rating is obviously not too high, so will there be a problem when they run their check? Can I still build my rating by paying my monthly phone bill?

Thanks!

Ben8282

Why do they want to perform a credit check to change the method of payment of your monthly phone bill? Assuming that credit cards are accepted by the phone company as a means of payment, there should be no problem.

Willing2Learn

Are you saying the phone company want to run the credit check? That should be fine. It is easier to pass a credit check for a phone than it is for a credit card.

[Deleted User]

If they do take cards it will either be a CPA (which you must cancel down yourself if you terminate the contract) or you need to pay manually.

You will also likely be charged extra for not paying by Direct Debit - usually an extra £5 per month.

boo_star

!!! wrote: »

If they do take cards it will either be a CPA (which you must cancel down yourself if you terminate the contract) or you need to pay manually.

You will also likely be charged extra for not paying by Direct Debit - usually an extra £5 per month.

Can't see how charging £5 extra would be legal post PSD 2018.

[Deleted User]

boo_star wrote: »

Can't see how charging £5 extra would be legal post PSD 2018.

Lots of places charge you extra if you don’t pay by direct debit.

joshyboy

I thought they aren't allowed to charge extra for credit cards now?

joshyboy

Willing2Learn wrote: »

Are you saying the phone company want to run the credit check? That should be fine. It is easier to pass a credit check for a phone than it is for a credit card.

Yes, I called Vodafone and they eventually said can we have your details to run a credit check, so I didn't want to go ahead with it just in case something goes wrong (because I've only just received my first credit card).

So I should be fine to do this?

DCFC79

joshyboy wrote: »

Hi everyone,

I'm a recent graduate and just received my Aqua credit card. I'd like to pay my monthly phone bill with it to build credit, so I called to set up my account and they said can we have your details to perform a credit check. I said sorry I'll call back.

My credit rating is obviously not too high, so will there be a problem when they run their check? Can I still build my rating by paying my monthly phone bill?

Thanks!

Remember though that your rating is only seen by yourself.
Lenders see your history.

Just using the card for petrol or food shopping will have the same effect.

[Deleted User]

joshyboy wrote: »

I thought they aren't allowed to charge extra for credit cards now?

The extra charge is basically a discount you would otherwise get by paying by DD.

It doesn’t matter if it’s a debit card or credit card.

sourcrates

joshyboy wrote: »

Yes, I called Vodafone and they eventually said can we have your details to run a credit check, so I didn't want to go ahead with it just in case something goes wrong (because I've only just received my first credit card).

So I should be fine to do this?

Have you actually got a phone contract with Vodafone ?

You can pay online without speaking to anyone.

They would only credit check you for a new contract, not to change payment method.