Credit lenders began to change terms and approach to extending credit to consumers when the country became involved in the economic woes that are prevalent now ie; unemployment, foreclosures, consumer spending down, and credit ratings.
Recently, the lenders are taking a second look at borrowers, especially in the area of credit scores and re-evaluating some borrowers as an approach to increase their profits in the area of credit cards.  The lenders have experienced a dramatic decrease in the a...