Guess I'm a bad credit risk!

[Hank70SS]

Lynda and I were at Carsons, formally Elder Berman. Don't know if you've heard of them but they're like Kohls. Had a number of different store names and changed them all to Carsons.

Anyway, Lynda had a discount coupon she got in the mail, she had an Elder Berman charge. She also had a disount coupon from renewing her charge card which was switched to a Carsons charge card. Didn't know if the coupons were valid on the items we were buying so we asked, there's always the fine print you know. Well the clerk said no but if you don't have a Carsons credit card we can open one and you'll get 20% off. Since Lynda already had one she suggested I open one and get the 20%.

So they run the info through and it was declined at that time. She said they would mail me in a few days and let me know for sure. So the letter came today, declined, reason:

1. Insufficient number of accounts with a balance.
What was I thinking paying off my charge cards every month?

2. Limited real estate obligations.
What a dumb ass I am. I should be upside down on my mortgage instead of having my house almost paid off.

Now if you're thinking like I did, that's crazy, just wait. The credit scoring company they use is Experian, one of the big 3. Credit scores range from 1, worst, to 999, best, my score, 984. Not sure what the cutoff point is but if 984 out of a possible 999 isn't good enough I'm pretty sure I don't want to do business with these people anyway.

F'um, I don't want or need their card. I already have a wallet full of credit cards. I also won't shop at Carsons anymore and I'll let them know in writing why.

I don't really care, we bought the stuff we wanted anyway and I sure don't need another credit card. Just saying, that's about the craziest thing I've ever heard. If I was a lot worse credit risk they would have handed me a credit card on the spot, go figure.