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.
I have done all of this already thats why… I explained above this was my last attempt at trying to get my head around it.
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.
Possibly could be clearer but I’d just take a screen with auto rejection to mean you can’t yet apply.
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.
You do not know this for certain. You don’t know why you’re not eligible.
Just wait until it lets you reapply.
Exactly
Many financial companies just blanket do not allow repeat applications within a timeframe though, so it’s not unusual.
As above, Amex do not allow within 6 months regardless of any changes in circumstances.
Barclaycard require 3 months, regardless of change in circumstances.
Capital One require “a few months” regardless. This is probably as unclear as Monzo but it’s to show it’s not unusual.
Both credit ratings are high, mine is currently 999.
Same message comes up when approach from my partners app too
To be fair I was told the Amex one by a representative a while back so it might have changed. All I can find at the moment is USA saying 30 days. This is where I find Monzo roughly is which is why advised to just leave it a month or so before trying again.
It’s regardless of circumstances likely, this is the thing. You can’t reapply for now, so leave it for a while and see if you can in the future.
I was auto rejected for joint account since launch until a few weeks ago. You can only but wait and try.
I am so lost I don’t think I can help tbh.
You want the screen to be better fine, but then you keep also talking about why you can’t get a joint account now. So people are trying to help with the latter, but has been pointed out many, many times only Monzo know and no-one here can help change that.
If you want the screen to be improved maybe just leave it with that bit, and people will stop trying to help but put thoughts in.
Otherwise this thread is going to keep going around in circles until @AlanDoe calls last orders.
Finding it rather odd that you keep @ a person as if we are children.
Best case scenario you should be able to just apply,
Second case scenario you should be at least not blocked from applying with a different person
Third case the minimum, the response should not be application specific.
What is it you gain from applying daily when Monzo know it will be the same outcome?
People are not applying with one person and the next day with a different person.
You need to wait. Stop chasing Monzo. Stop complaining about what you think it might be. Just. Wait.
I’ve already been trying for 18 months, it’s just a bit ridiculous.
Take the hint.
I came here to speak to a community - Happy for the thread to be deleted - but the attitude is pretty poor.
And they responded back, mostly helpful. If anyone’s terse it’s likely because many people have told you only Monzo can change the way you can apply for accounts and you keep making the same point without seemingly talking onboard the advice given.
So my final part of advice would be you’ll have to wait for Monzo to decide (if it ever does) to allow for previous applications to be removed and to allow for new applications.
Given that’s not how it is now the answer, no matter how many times you argue against it the point made will be the same one. Wait.
Please do keep posting and contributing to other threads etc. We’re a friendly bunch for the most part.
I only tagged Alan as he’s one of the mods here so he might choose to take action (or not, I’m not him) as this thread was getting very circular