Advantage to the debtors.

[donovapreuss]

It's always frustrating when you come across situations like this where it seems like you're penalized for being responsible with your finances. But from the merchant's point of view, offering discounts to credit account customers is a way to incentivize people to use their credit services and generate more revenue for the company. It's good to hear that you could still get the account, even if it was at a reduced credit limit. And who knows, over time, as you build up a credit history, you'll be able to get higher limits and more discounts.