It’s probably down to how you’ve managed to handle debt. I don’t blame you though as I was rejected too, despite being good with spending.
I personally would pay for a credit card if the benefits outweigh the cost. I’m on booster (First time spending for a credit card) but the ultimate goal will be to be on full Tymit very soon and am prepared to pay for that.
I’ll be honest in saying I don’t agree with the £9.95 price tag, as it’s definitely not worth it. I’m happy to be hit with the apr rather than being charged more on a monthly fee. At least I can test the product and help Tymit but, I expect some really good features from the booster team.