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Discussion in 'Credit Talk' started by Ian, May 20, 2000.
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Because a mortgage is based on equity,collateral and other considerations that are secured. A credit card is unsecured and if you do not pay it, they have no recourse. I know it sounds ridiculous but security is much easier to get. Also, Sears may have thought you already had enough unsecured credit.
I hope someone can explain why I can not qualify for a Sears credit card but I was approved for a mortgage? I applied for the card several weeks ago and I was approved for a mortgage last week.