This topic has been doing the rounds since day 1 of when OD’s were offered.
I’ve seen people who state they have the perfect credit history etc etc, be denied any OD what so ever, and I’ve seen people who say they have an appalling financial history be offered one
It’s clear that how Monzo make this decision is impossible to work out, and as customers, we really shouldn’t need to.
If an OD is a part of how you budget and sort your finances, I’d recommend using a different service personally. It’s never been a big thing for me (can’t get one on the JA anyway ), but I’d definitely be banking elsewhere if it caused issues.