Originally Posted by starbuk

Well I was trying to agree with you in a way that doesn't polarize the other side of the argument to the point of not seeing common ground. Some people don't care about credit reviews, that is obvious because they are on here telling us that they don't care. And some people do care, like you and I. So I'm just stating facts, what's not to understand?

Originally Posted by Brugge

Some people don't care if they have to take the time to call Recon, maybe get asked a bunch of questions that may cause their app to be denied, maybe even lead to a FR, worst case all their accounts being shut down?

@18 months ago, I called Chase Recon, and it was like being a suspect being grilled by the police. The call took over 20 minutes, and I had to tell him every address I'd lived at for the last 20 years, among other absurd matters. Finally my app was approved, but I was exhausted when it was over. Now every time I get an instant approval I do the famous "Happy Dance".

That doesn't make any sense to me. It's not a personal preference, like vanilla or chocolate ice cream, it's time, effort, and unnecessary risk. So no I really do not understand it. I have no problem with them feeling that way, it just makes no sense to me. Luckily I don't need to understand it.