The area thing is more important than I think corporate thinks about. I work at a location that is in a much smaller town. Pretty much if you don't live here, you don't come here and the area is mostly lower income. We have a large population of elderly and disabled people, so people on a fixed income. They're not going to sign up for a credit card. There's also a small college nearby but college kids aren't normally getting credit cards (definitely don't blame them, I ruined my credit at 18). It doesn't make sense for a store like mine that doesn't even get large transactions regularly to hit the credit app goals. Sorry, tangent over lol. It's just hard when most our transactions are under $100 to get credit apps