We aren't able to share the specific reason an application wasn't approved. Eligibility decisions draw on a range of factors, including things like deposit patterns, account balance history, and payment behavior, so there usually isn't a single thing to point to.
Here's the good news, and what to do next:
A decision isn't permanent. The best thing to do is keep your Split Pay account active and reapply in 30 days.
If you have other bank accounts to add, you don't have to wait. Adding another account gives us more to look at, and you can reapply right away.
Eligibility is reassessed every time you apply, based on your current financial profile, so things can change.
Between now and reapplying, it helps to keep your balance positive, build a steady deposit pattern, and pay your bills on time.