Zopa credit card, anyone have one? Thoughts?

[WillPS]

@riceuten

I have the Zopa app and money in their savings account, but despite my general financial good standing (no missed payments, homeowner, etc) , the App actually informs me I have a zero chance of obtaining one, as indeed do a variety of credit-checking websites.

What about this makes you think you’d be an objectively attractive customer for a credit card issuer?