I was rejected too, having been with them for over ten years. I had a look at my credit score on the ClearScore app and the results are perplexing.
When we came out of the pandemic we decided to do some home improvements, and spent on a couple of credit cards - including JLP - along with a loan for double glazing. I got an alert from ClearScore that I was approaching 50% utilisation of my total credit limit, and that if I exceeded that, my credit score would be impacted. Since then I’ve paid off most of it in preparation for retirement next year and I’ve cancelled the overdraft arrangement - the JLP card has had a nil balance since the beginning of this year.
Now I’m advised my score has been downgraded simply because I’ve lowered my credit utilisation so much. I can’t think of any other reason the JLP card was refused. So, damned if you do, damned if you don’t !!