As a responsible lender, there are a number of reasons why we might decline an application for a credit account.
To help make the right decision, we use:
Information submitted in your application
Information provided by Credit Reference Agencies
And any internal information that we may have
These are all then assessed against their lending criteria.
Where can I find out why I was declined?
If your application for a credit account has been declined and you want to know why, you can get in touch with our Financial Services team using the links below.
Can I reapply?
We don't recommend applying again immediately as it's highly unlikely the decision will change and it may have a negative impact on your credit file.
However, if you want the decision to be reviewed, you can find our up-to-date contact details here - How Can I Contact Studio Pay.
You might find it helpful to review your credit report through an agency, such as Experian.
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