APPLICATION

Personal Credit

Restricted industries (automatic decline) include:

Ammunition or Weapons Manufacturing; wholesale and retail
Bail Bonds
Check Cashing Agencies
Energy, oil trading, or petroleum extraction or production
Finance: (Federal Reserve Banks, foreign banks, banks, bank holding companies, loan brokers, commodity brokers, security brokers, mortgage brokers, mortgage bankers, mortgage companies, bail bond companies, or mutual fund managers)
Gaming or Gambling Activities
Loans for the speculative purchases of securities or goods
Pawn shops
Political campaigns, candidates, or committees
Public administration (e.g., city, county, state, and federal governmental agencies)
X-rated products or entertainment

High-Risk Industries (subject to stricter underwriting guidelines):

Agriculture or forest products
Auto, recreational vehicle or boat sales
Courier services
Computer and software related services
Dry cleaners
Entertainment (adult entertainment is to be considered restricted)
General contractors
Gasoline stations or convenience stores (also known as c-stores)
Healthcare; specifically nursing homes, assisted living facilities, and continuing care retirement centers
Special trade contractors
Hotels or motels
Jewelry, precious stones and metals; wholesale and retail
Limousine services
Long distance or “over-the-road” trucking
Mobile or manufactured home sales
Phone sales and direct selling establishments
Real estate agents/brokers
Real estate developers or land subdividers
Restaurants or drinking establishments
Software or programming companies
Taxi cabs (including the purchase of cab medallions)
Travel agencies