Originally Posted by corvette

sure, the goal here is to accept as many cards as possible while maintaining acceptable risk levels and we use a variety of criteria for accepting credit cards (be tough and unwise to post the criteria we use for accepting cards on this board), but let me say we are constantly working on lowering the decline rate while still mitigating the risk.

But again, this has historically been tougher time, for the reason I stated above as well as this is the time that consumers are hit with their Christmas CC statements, as well as the high sales from many computers being purchased during christmas and then the contrast later in the month (of course, this was much more pronounced years ago)