Decided to be a nice person and let a certain bank, which issues coral pink debit cards and has a really dank community forum that they actually post on and use, that their income checks aren't very robust for Overdraft and Loan applications.

If you're confused, a while back I was able to apply for an overdraft despite not having a regular source of income. And yet the money side of it was fine, It was the credit score which was too low.