Our store is not making headlines in the newspaper but the news is affecting us.  I have applied for small business credit cards and have been denied all over town.  The problem is that our credit record is blank; we have no annual income so far and have been a business for less than 6 months.  Maybe a year ago creditors would have looked at our blank record with optimism.  Today, they do not see potential for our business, the glass is half-empty.  

Luckily, a credit card is not absolutely necessary for us to complete our store but, it does mean that we must make some changes in our scheduling of purchases.  Ugh, it just makes everything a little more difficult and you know, it’s depressing to be denied credit, even if it’s understandable given the current conditions.