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Summary: a decline means we couldna approve the application this time — it isna a steekit door.
Yer richt tae human review
Unner Article 22 o UK GDPR, ye hae a richt tae speir a body tae review a decision made bi automatit processin alane. Gin ye speir, the original decision is set aside an a credit reviewer looks at the file frae scratch.
Reapplyin
Ye can reapply. A stranger application usually comes frae clearer bank statements an a soonder tradin history. We wad raither decline kindly an clearly than leave ye guessin.
Scots summary — the hale English version o this airticle is the authoritative ane. Read the hale airticle in English