Rejected for a new phone - perfect credit score

martinbainbridge1975

KyleFZ6 said:

martinbainbridge1975 said:

I would ring them up and query the decline, it is possible they maybe able to manually override if they are satisfied with the explanation.  You do have the right to appeal a decline.

CIFAS may very well prevent auto accepts purely as a precaution. 

I did this through email and it worked. They've now approved me.

To everyone that said buy the phone outright..  I did look into this but was trying to avoid as it seems to cost more on the long run. The cost of the phone + the cost of my £16 a month Sim over the 2 years worked out more expensive than getting a contract for both the sim and phone.

All sorted now anyway cheers for the replies.

glad to see you got sorted, as plenty of folk on here rightly say ignore your score as not really relevant.  one thing I have learned is if you get declined there is a right of appeal for a reason and if you get the right person on the phone and have the justification then things can be overturned

AmberDepp

KyleFZ6 said:

martinbainbridge1975 said:

I would ring them up and query the decline, it is possible they maybe able to manually override if they are satisfied with the explanation.  You do have the right to appeal a decline.

CIFAS may very well prevent auto accepts purely as a precaution. 

I did this through email and it worked. They've now approved me.

To everyone that said buy the phone outright..  I did look into this but was trying to avoid as it seems to cost more on the long run. The cost of the phone + the cost of my £16 a month Sim over the 2 years worked out more expensive than getting a contract for both the sim and phone.

All sorted now anyway cheers for the replies.

Buying the phone outright never works out to be more expensive than a monthly contract. How could it?

prowla

I'm always rejected at Apple Store at my 3-year upgrade cycle, despite having great credit rating and being easily able to pay; eventually I got to speak to someone at Barclays who knew what they were doing and they told me it's because my bank doesn't do instant income checks.

They told me if I appealed the decision it should go through, but I said I'd just gone elsewhere and all they were doing was losing themselves and their customer my business.

[Deleted User]

AmberDepp said:

KyleFZ6 said:

martinbainbridge1975 said:

I would ring them up and query the decline, it is possible they maybe able to manually override if they are satisfied with the explanation.  You do have the right to appeal a decline.

CIFAS may very well prevent auto accepts purely as a precaution. 

I did this through email and it worked. They've now approved me.

To everyone that said buy the phone outright..  I did look into this but was trying to avoid as it seems to cost more on the long run. The cost of the phone + the cost of my £16 a month Sim over the 2 years worked out more expensive than getting a contract for both the sim and phone.

All sorted now anyway cheers for the replies.

Buying the phone outright never works out to be more expensive than a monthly contract. How could it?

Could be if the phone cost was subsidised by the network as they are unlikely to be paying the same price for the phone as you and me buying direct so if they decided to do it a little cheaper and took a hit of profit. However, it would be difficult to see a scenario where it was sufficiently discounted that the cost of the contract on top worked out cheaper, far more likely the network would pay Apple for exclusivity deal and factor that in.

martinbainbridge1975

comes down to the data usage and price plan requirements, an unlimited or 100gb data plan as an example is £20-30 a month sim only 

mcpitman

martinbainbridge1975 said:

comes down to the data usage and price plan requirements, an unlimited or 100gb data plan as an example is £20-30 a month sim only 

I pay £6 a month through ID mobile, don't see the need for huge mobile data allowance with so much Wifi about.