Keep getting declined for the samsung s7 says credit rating dosnt matter ive beeb with giffgaff long tine
Firstly gg do not do contract phones they sell phones which you can apply for a loan to buy.
Are you paying cash or applying for a loan?
On the credit basis of course credit rating matters you are applying to a third party, Ratesetter, for a loan to buy a phone. If you have a poor credit record, do not have UK redsidency for minimum of 3 years then you will likely get turned down.