Yup same reasons as everyone else. Well affirm maybe you shouldn't base your borrowing power based off people's credit and use their payment history. Like if people paid their bill with you why would you do something so stupid and deny people like that? Your losing out on alot of people and looks like your losing customers as well. Yeah waste of time making sure to have good history with you guys cause in reality it don't matter. Have a hardship TO BAD!