Just wanted to know if I take out a sim only plan would I be able to upgrade to a handset after 3 months
You're on the wrong part of the forum - this is Virgin landline - you want the Virgin Mobile forum.
The sales team may tell you that. Experience on this forum says it is unlikely. Three months payments is unlikely to change your credit score significantly
As a Very Insightful Person, I'm here to share my knowledge. I don't work for Virgin Media.
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Thanks for your post and welcome to our community.
We would advise taking out a SIM Only deal and making payments on time for at least six months before applying for a handset.
The payments also need to be made by Direct Debit to ensure it impacts positively on your credit score.
I hope that helps.