There could be any number of reasons for a decline, Jay. You, as a
merchant, are not privy to the reason for the decline.

Quite true.

For you to make that wild-assed assumption about millions of people based
on eight little letters (or the equivalent numeric code).... sheesh.

My assumptions are based on years of experience, both in the hotel biz
as well as sitting on the board of directors of a credit union, with
decision-making authority over loan approvals. You would not believe
the level of debt that many of your fellow citizens are carrying.

My only point is this: Don't ever judge a book by its cover. The guy
you see driving the Lexus, flying the Baron, and living in the mansion
is not necessarily what you think he is. I've denied loans to people
like him because he didn't really own anything -- everything was
financed by others, and in actuality he didn't have a pot to pee in.

Conversely, the scruffy-looking dirt-bag driving a rusty old purple
Nissan pickup just *might* be okay!

:-)
--
Jay Honeck
Iowa City, IA
Pathfinder N56993
www.AlexisParkInn.com
"Your Aviation Destination"