If there's a credit crisis, then why are retail shops still hounding me to sign up for their credit cards?

I can't buy a bolt at Home Depot without them offering to sign me up for a credit card. Same at Target and half the shops at the Mall. What's going on?|||Because the more credit card holders that default on their loans - the BIGGER the company's bailout check will be.....................





Besides - the American consumers are stupid - they will do just about anything to save 10% on their purchase.|||The downturn takes a long time to get into people's minds. For most people , today is pretty much like yesterday. They need to have a friend laid-off from work before they believe the newspapers. So business keeps going as usual..|||Because the credit card companies need more card holders who pay their bills. Just say no.|||Because the media is WAY overblowing the availability of credit. If you're qualified, you can get credit for anything, anywhere, at a good rate.





I work for a mortgage lender and we're practically begging people to buy houses and refinance. We have tons of money waiting to be sent out to qualified borrowers, but the damn media has scared the daylights out of everyone.





If you've paid your bills on-time and used credit wisely in the past, you will have no problem getting a loan for anything.