I have been trying to get a Conn's credit card for a long time. My friends and family all shop there, it's a great place. I have better credit than most of my family and every time I get turned down for a Conn's card. They always try to go with the acceptance program. I tell them if I wanted rent to own I would go to a rent to own place. Like I said I love Conn's but if I keep getting decline of a Conn's card, I'm just going to take my business somewhere else. Maybe the card is just to lure you in for the rent to own thing. And some people may just get lucky in getting a Conn's card to cover themselves. Conn's still the best for now.