Your decision lists the specific reasons. You'll find them in two places: on the decision screen in your Split Pay account, and in the email we send with your decision. If you reapplied right away after your first decision, you'll see your reasons — and get the email — after that second decision.
A few things worth knowing about the decision:
No credit impact. Split Pay never runs a credit check — no soft pull, no hard pull and no credit-score requirement. Applying for and using Split Pay never touches your credit unless you opt in to credit reporting.
It's based only on the bank accounts you connected — things like income deposits, balance patterns, spending activity, and payment history.
You can reapply — once. Each denial gives you one instant reapply with a newly connected bank account — connect at least one new bank account first. If your reapplication is denied, your Split Pay account shows when you can apply next — usually 30 days out. Go by the date your account shows. Reapplying doesn't guarantee approval.
The strongest accounts to connect: the one where your paycheck lands, with at least 90 days of history and regular bill pay and spending activity. Applicants who connect 2 or more accounts are approved 40% more often.