Hi guys. I'm new to this forum I decided to take my first contract phone out ever. It was from dialaphone. HTC Desire HD on O2. I order and then it says credit check failed. I rang O2 and they dont know why. I'm 19, at Manchester Uni, will be 20 in January. I don't have any credit cards but just 3 debit cards. I've never used 2 of them and I've never used any off my over draft on the card I use. My friend in the same situation took out a contract perfectly fine. At a different uni and just the debit card. No credit cards. Can any one help me as to why I can't take a contract but my friend who's 19 as well can?