Don't worry, opting to upgrade your credit card will not hurt your credit score. ... But having your card replaced, being shifted to a different credit card by the issuer, or even getting a new account number is unlikely to lower your score.

Does an upgrade require a credit check?

Upgrading from a SIM-only plan to a handset does not require a credit check. When you take out a SIM-only plan, a credit check would be run for this. ... If however, you apply for a new contract, then a credit check would be run on this.

Do 3 do credit checks?

To take any Pay Monthly product with Three, you'll need to pass a credit check. To do this, Three take your personal details and conduct a search with a credit reference agency called Experian (read Three's page on credit checks here). There are lots of reasons people fail a credit check.