Better ... NOW ... Take those criteria and make them work with the Civil Rights Act of 1964 and the new privacy acts over the past few years. The bank has to PROVE why someone was denied credit. For example, a young black man gets a full scholarship to play basketball at Michigan. He comes from a poor home, and is a GREAT kid. HE gets a part time job, and wants a credit card. HE now gets denied. Bank gets Jesse Jackson doing a press conference.

BTW ... When I said no bitching without solutions, you were supposed to chuckle. this site needs more smilies.