I have a query over APR with Monzo.
I see there are three APR tiers of 19.9%, 29.9% and 39.9%.
I have been offered an overdraft of £1000 with 39.9% APR.
I’ve checked my credit files at all the agencies and can’t understand why I can’t get a lower APR.
Does anyone have any tips and has anyone been offered a lower APR.