When Split Pay can't approve you, we tell you the reason right away — both on the decision screen in your Split Pay account and in the notification email we send. All reasons are provided up front.
The reason explains what we looked at (deposit patterns, balance history, payment behavior, etc.) and includes tips for what to do before reapplying. Check your email or your Split Pay account for the specific feedback for your situation.
A few general things to know:
A denial isn't permanent. You can reapply in 30 days.
Eligibility is reassessed each time you apply, based on your current financial profile. Things change.
The best things you can do between now and reapplying: keep your account balance positive, build a steady deposit pattern, and pay your bills on time.