I think you are basing things on an incorrect premise. You are only ASSUMING that it is an out of date decision. How do you know it is out of date? Just because it is a decision made in the past does not mean it is out of date. Monzo can do plenty of checks without going through the application process again (and without any kind of credit search too). Once you hit a certain trigger you may find that you can apply again.
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Cerberus
(There are no stupid questions, just stupid people.)
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I’m unsure why you’d jump to that conclusion that I am a troll. That’s absurd. I’m anything but - the concept of an internet keyboard warrior is something I’d never be.
I’ll give you that you don’t have much to go on, but it’s a rather unfair reach.
I think the challenge here (and I think calling you a troll is slightly unfair btw) is that each time you’ve been given advice, you seem to be quite ignorant of it, unwilling to accept alternative viewpoints. At least from what I have read.
If you want to log this as feedback that’s totally fine, but it’s not a bug, it needs to be logged as an idea for future development. I’ll update this as such and then people can vote/add to it.
From what the OP is saying I think the issue is simply they want the ability to re-apply without being rejected immediately (when there is unlikely a new check being done).
My advice would be to allow time. If I were to apply for an increase in my overdraft, I am told that my limit cannot be increased. It takes me through all of the info first before I’m told no.
If I try again the next day it doesn’t take me through the info it just says my limit cannot be increased - it keeps the initial outcome.
If I leave it a month, it allows me to retry.
It’s possible that Monzo could state “please allow X months before reapplying” to make it clearer, but lots of companies don’t say this and simply reject further tries. American Express for example state to wait 6 months after a rejection, and will automatically reject any attempts within that period.
So just wait; it’s possible that eventually you will be able to reapply.
Exactly this and I just feel it’s a weird approach to keep brining my specific result of 1 application up. Rather than a screen to say - you can’t apply again.
Deffo going round in circles, but strongly my opinion that the rejection should not be specific. They don’t factor in change in circumstance. See me example above re housemates.
Same sex couple here and can confirm we were able to apply successfully after the recent re-work of joint accounts.
If it’s immediately appearing then my guess would be that you personally have some criteria that is stopping you being eligible in Monzo’s view, rather than it being the relation between you and the other person. I had this happen a few years back and realised a few months later my credit score had dived spectacularly after I’d moved house. Cause could be almost anything though.
