Originally Posted by VGeorgie

Maybe CCBill has turned up a scrub setting, though I'm not getting that in the denial emails I review. I DO believe they are processing the same or even fewer sites than two years ago. That leaves two things:

1. Consumers aren't spending because they don't have the money. That's MY situation, so why wouldn't it be for other people too? I'm eating in tonight because I can't afford McDonald's.

2. The banks are tightening up. This worry keeps me awake at night. Wife and I tried to get a few thousand additional credit line so we could redo a bathroom. Got turned down, despite never being late on a payment, and having the card for some 20 years. Bank rep apologized, and said it was the result of the current economy. Banks are being more careful.