What happens if etika refuses my loan request or if I fail ID/credit check at an Optus level? March 18, 2021 04:17 Updated Unfortunately, you will not be eligible to take up this offer. Related articles What happens if I cancel my Connected Watch Plan within the first 24 months? Do I receive an Optus bill? How does this offer work? What happens to my Apple Watch Benefit if I cancel my AIA Vitality membership? Do I have to give the device back once I've finished paying it off?