Actually
TB; You still getting the same credit spam you were getting a year ago?
More of it, all of the offers are the very worst kind of Credit Card. "Secured" and/or very high fees. Many of which you have to pay up front..
They all end up in the same place, the "burn barrel". Don't have a CC, do not intend to get one, cut mine up 18 years ago. Best damned thing I ever did.
But, Consumer loans have become very hard to come by, and interest rates have crept up. Lost a number of done-deal-sales the last month due to inability to secure acceptable financing. Wierd thing is, above $50K, not very hard at all.