Yep. The last two times I tried to buy something on credit - 90 days same as cash type deals, Its been a clusterfuck and I've just skipped it and paid for the item. I too have excellent credit, don't owe anybody anything, etc, etc, blah, blah, blah. The one time I was denied because I didn't have a "mortgage loan within the last 12 months", the other was an online situation that required me to have a smartphone to do business with them. The first shows just how stupid and what a game "credit" is - you're supposed to be in debt up to you ears, then they'll loan you all the money you want; the second is just smartphone bullshit stupidity, its all about the PHOOOOOONNE!! Either way - there's absolutely ZERO appeal, nothing can be done about it, there's nobody to talk to, blah, blah. Same exact thing with Insurance - did you know there's now an "insurance score" that is largely based on your credit? BANKS and InsCos - fuck all of them.