Incorrect sim in iPhone4 HELP!

I have a iPhone 4 on the O2 network which has been working fine, but last several months when I update to a new firmware (the iphone is not jailbreak) via iTunes. The iPhone installs the update and then locks itself incorrect sim. This has got me confused!
The iPhone is on O2 has always been, so why does it state incorrect sim.
Applle has replaced the iPhone each time its done this, But I would like to know what's the actual fault..,
Any advise?

Look carefully at the top of the color and black cartridges, you will see a small plastic ridge on the top of each near the front.  The keying of these are different, there is a matching plastic part on the printer latch that (mostly) keeps the improper cartridge from being inserted in a slot.  I would suggest taking out the other cartridge so you can see the latch area, perhaps with a flashlight.  To remove the cartridge use a blunt knife to gently pry downward on the cartridge from the top of the latch.  If you pry down just a bit you should be able to free the cartridge.
Bob Headrick,  HP Expert
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