Bills, payments and credit checks.
Understanding your bill and payments can be confusing. We’ll try and answer any questions you have about your bill here.
- Credit checks.
When you sign up for a Pay Monthly plan, we’ll run a credit check, so we’ll need to ask you some questions.
In order to process your application, we’ll supply your personal information to credit reference agencies (CRAs) and they’ll give us information about you, such as details about your financial history. We do this to check your identity, assess creditworthiness and product suitability, manage your account, trace and recover debts, and prevent criminal activity.
We’ll also continue to exchange information about you with CRAs on an ongoing basis, including about your settled accounts and any debts not fully repaid on time. CRAs will share your information with other organisations.
A full explanation of how we’ll use your information is in the Privacy Notice contained in Section 13 of our Terms for Three Services. The identities of the CRAs, and the ways in which they use and share personal information, are also explained in more detail in the Credit Reference Agency Information Notice published by each of the CRAs – clicking on any of the following links will take you to the same document:
If false or inaccurate information is provided and fraud is identified, details will also be passed to fraud prevention agencies to prevent fraud and money laundering.
Failing a credit check.
Sometimes, the data we find on a credit check doesn’t meet our criteria. Although that means we can’t give you a Pay Monthly plan, you can still join us on Pay As You Go.
If there’s a specific reason why you may be failing a credit check, like if you haven’t lived in the UK for three years, please give us a call on 0800 033 8001 or join us on Pay As You Go straight away.
Making multiple failed orders.
If you’ve failed a credit check, don’t keep submitting orders. Failed credit checks will be noted on your account and might affect your credit rating in the future.
When we do a credit check, we might ask to take a deposit or ask you to answer some more questions. It’s a normal part of our process, so don’t worry.
- Paying online.
You can pay for products online with:
- Visa credit or debit cards
- MasterCard credit or debit cards.
At the moment, we don’t accept payment with:
- Visa Electron
- American Express
- Diners Club cards.
To buy online, you'll need:
- A valid email address
- to be at least 18 years old
- to have read and agreed to our terms and conditions
- to pass a credit check if you want to take out a Pay Monthly Plan.
- Paying for a Pay Monthly contract.
Setting up a Direct Debit.
If you’re taking out a Pay Monthly Plan with us, you’ll need to set up a monthly Direct Debit. This is so that we know you’re going to pay your bills when we send out your new device.
What you need to set up a Direct Debit.
- A valid UK bank account number and sort code
- an account in your name or in a joint name.
Changing your payment method.
If you don’t want to pay by Direct Debit, you can change the way you pay in your My3 account once you’ve got your device.