Using a Monzo Overdraft

[alexs (Alex Sherwood)]

They will tell you why you’re not eligible -

@tristan

If you’re not eligible, we now tell you why you’re not eligible (things like credit score, bankruptcy, CCJs etc). There are some “ineligibility reasons” for which we don’t specifically tell you yet — in these cases you’ll get a generic ineligible message. We’ll add more over time — it’s a case of going down the most frequent reasons first.

& they can see this -

@connorianreilly

this wasn’t because I was spending money on nights out

My guess is that they re-evaluate at different times for different users, depending on when they have new data for your credit report.