If you take a look through these forums, you'll see that PWC has some major problems right now. There's at least 2-3 posts per week of longtime customers getting denied for random reasons, reasons that don't make any sense, or no reason at all. The algorithm also often spits out default "fallback" reasons that may or may not be the exact reason for denial.
Either they severely tightened up the restrictions on their lending and can't be bothered to tell anybody, or something is very broken with their algorithm (which has happened before) and they haven't fixed it (or for some insane reason haven't noticed).
Either way, barely anyone is getting approved right now, there has been zero transparency from PWC or WebBank, and at this rate even if they loosen up lending I'm pretty sure they've alienated their entire customer base.
But yea, at the end of the day none of us has any answers. I wish we did.
