Seems to be almost luck of the dice - I was rejected by Barclays for IUP in 2017, when my credit was all good news; right now I have a few missed payments and even a default from 2020 (self employed during COVID - never again lol) and it was all gravy this time. Who knows what algorithms they use.I’ve seen a lot of people getting declined by Barclays too which I’m a bit worried about