Bills, payments, and credit checks

We’ve got some useful advice here to help you understand your bill.

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). They'll give us information about you, such as details about your financial history. We do this to check your identity, assess your credit rating, and product suitability. We’ll also use the information to 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. This will include information 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 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. This is to help 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.

There maybe a specific reason why you may be failing a credit check, such as not living in the UK for 3 years or more. Please give us a call on 0800 033 8001 and we’ll see what we can do to help.

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.

You can pay for products online with:

  • Visa credit or debit cards.
  • MasterCard credit or debit cards.
  • American Express.

At the moment, we don’t accept payment with:

  • Visa Electron.
  • 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.

Setting up a Direct Debit.

If you're starting a Pay Monthly Plan, you'll need to set up a monthly Direct Debit for paying your bill.

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 have your device.

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