We aren't able to share a specific reason. Eligibility decisions are based on a range of factors rather than any single item, so there isn't one particular thing we can point to.
What matters most is what you can do next:
Keep your Split Pay account active and reapply in 30 days. A decision isn't permanent, and your financial profile is reassessed each time you apply, so things can change.
If you have other bank accounts to add, you can reapply right away. Adding another account gives us more information to consider.
In the meantime, keeping your balance positive, building a consistent deposit pattern, and paying your bills on time all help.