I had an issue around 3 years ago where I got 3 defaults due to unforeseen issues with my job. Since then, I have been paying for things and increasing my credit as much as possible. I’ve not missed payments in a long time, and have a full santander uk current account (which was opened last year, moving from barclays) so it seems I can get credit.
However I was declined for Sterling? I have been using Monzo since the UK bank account was released, and have had no problems with them. I saw Sterling done a credit check and an identity check, but received nothing else to say why I was declined so assumed it to be credit.
I’ve tried googling this, but can’t find anything to suggest it’s my credit, but I can’t think what else would make me get declined? Pretty gutted to be honest, I wanted to use Sterling and close my monzo.