I have perfect credit, utilizaton 30%, never late or never missed a payment, household income 147k and declined? I believe they are liberal, discriminative and try to ruin your credit. Do not apply for credit with these dwebes. They don't contact you about application. If you don't earn over 200k and use other credit besides theirs they will deny you. I will not spend a dime at a company that refuses service offers to me. I don't need the credit, I wanted the cash back option. Screw these ppl. Costco, tractor store and harbor freight have everything they have and very customer friendly. User's recommendation: Stay away from Rural King.