I was in Kroger and a lady asked if I wanted a Kroger card. She had a quota to make and I said yes. I have excellent credit and it is around 811 every month. I received a letter saying based on my credit, I couldn't receive a Kroger credit card. I called and only got a recording to leave a message. I see that I am not alone as I see many people that have been ripped off by this agency. You can't reach them. Sandra Keller, TX