[__jal]

How often to you apply for credit?

It is, in any case, far less of an inconvenience than not paying the protection racket, having someone impersonate you, and having the credit oligopoly lie about you because of it, leaving you to somehow clean up their mess.

[praneshp]

Some folks churn, so they apply for credit several times a month. It's not a very small niche community either.

[goialoq]

It is a small niche relative to the credit-using public at large, and there's no reason to accommodate them at the expense of everyone else.

[praneshp]

No one asked anyone to accommodate anyone.