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For what it's worth, these people hate asking as much as you hate being asked. They are pressured by their management and, in some cases, have a quota to hit. Most big box retail stores have a set # of credit apps that must be approved every month before management teams can receive profit sharing, bonuses, etc.
Just remember that they are just trying to do their job...as inconvenient as it may be. I worked in retail while in college and had to ask about credit cards. I'd say 70% of the people who applied were denied...which always left me feeling guilty. If you're going to be mad at someone, be mad at the guy behind the desk at corporate headquarters.
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