Iphone 5S rejection from contract?

Well I opened my first bank account to get a phone (my old blackberry is breaking down) and I really wanted to do the £32 a month for the Iphone 5S from Tesco, however I was rejected but offered a sim for 12 months… But I literally don't have a phone and I can afford a decent one but I don't know what to do, how am I supposed to get a contract phone if I'm being rejected? Can I just buy the iphone itself?
Is there any way around this? My parents wouldn't let me use theirs and I really want a decent up to date phone:/ thank you!

Get an older model.

You might want a newer expensive smartphone, but you can certainly get a cheaper smartphone which is a few years old. You can buy a expensive smartphone when your older.

Any phone is better than not having a phone.

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