topic Re: Phone upgrade in Contracts & Billing

Phone upgrade

maxon_uk — Sun, 31 Aug 2025 22:53:57 GMT

Hi to everyone. I have been with EE for more than 7 years. My last phone contract was 3 years ago; since then, I have been on SIM-only. Next month, I am thinking of upgrading from SIM-only to a new iPhone, probably the 17 Pro Max. However, I read that the contracts will be split into two: one for the SIM and one separate Flex Pay agreement for the device. How will this appear on my credit profile (e.g., Experian or TransUnion)? I remember 3 years ago it showed only £0 and was currently open. Will there be an additional loan with an outstanding balance for the device from EE?

Re: Phone upgrade

maxon_uk — Mon, 01 Sep 2025 09:12:08 GMT

Re: Phone upgrade

Chris_S — Mon, 01 Sep 2025 10:07:46 GMT

Hi @maxon_uk

If you'd like to get help with any credit file-related questions, I'd recommend getting in touch with our credit file team.

You can email them at crqueries@ee.co.uk

They aim to respond within 48 hours.

Chris S

Re: Phone upgrade

Schockwave — Mon, 01 Sep 2025 10:10:50 GMT

@maxon_uk , it is a loan that is paid of monthly, but you can always pay it off sooner, not sure what you are asking,I have flex pay with no problems, have clear score and everything is ok. I actually have no idea how it appears, as I never check those.

Re: Phone upgrade

maxon_uk — Mon, 01 Sep 2025 16:23:44 GMT

Thank you. It can sound weird, but I just don't want another loan on my account. 😅

Re: Phone upgrade

Matt_124 — Mon, 01 Sep 2025 16:38:51 GMT

If you call EE Customer Services on 150 or visit a Retail Store, they may be able to offer you a traditional contract as an upgrade if you specifically state you do not want Flex Pay and do not want to answer any of the income-related questions that are used to screen and confirm your eligibility.

Bear in mind that these can look expensive compared to the Flex Pay deals and those from other providers due to the 24 month minimum term. The industry is increasingly moving towards Device Finance + Airtime, so another provider would likely offer and advertise this as their default offering.

If you are wanting to use any discounts on a traditional contract you will be unable to unfortunately, as they are all specific to Flex Pay deals for those that are eligible.

Re: Phone upgrade

maxon_uk — Mon, 01 Sep 2025 17:23:31 GMT

Thank you. Will give them a call. Yes flex payment plan looks alright, but not suit me now. I am with sky network too, got 2 devices for my parents two years ago, and they are have bow something similat to flex pay, and there 2k on my account "loan" with them. Just don't want to have another loan on my account. 😅