Actually, I think it's a problem with Bill Me Later... I have no idea of yours or your parents' credit, but am basing that opinion on my own experience with it when I ordered my first Axiom system. My credit score is in the top 1% (or so they told me on my last mortgage application), and I still got denied on the Bill Me Later. Don't feel bad, I think their approval logic is not entirely airtight.

Jason

Epic 80-800: HG Cherry