Halifax clarity card - why the interest hike during application process?

I applied through M S E today as my saga card is going redundant end of March. The promo on M S E shows interest rate from 18.9%Apr. I did the pre app check on M S E which have me a 95% chance of getting accepted. Half way through the application it tells me it will be 24.9 Apr! I have a fixed secure income own my own home no mortgage, Noddel reference agency tells me I have an almost perfect credit rating and telephone call to Halifax tells me they can't or won't tell me why the higher Apr offer only to say maybe I haven't got enough debts!. I only asked for £1500 credit to use on holidays abroad
Can anyone enlighten me what I did wrong? Thumbs down for Halifax


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