I would surmise most bank robbers, today, have "bad credit".
It really doesn't matter. The banks will issue cards to anyone. My deceased wife, (7 years) still recieves solicitation. My brother, Bankrupt (1 Year) still recieves solicitation.
I firmly believe, that anyone who can fill out the forms, would recieve a credit card. I firmly beleve that a minimum of on time payments will also get the holder a credit limit in the thousands.
A smart (I know oxymoron) bank robber would simply open a card, take cash advances, use that to pay on time for a small while, use that credit to open other cards, pyramid the the number of open cards, max out the cash advances, and declare bankruptcy.
A little matter of fraud is easier to defend than armed bank robbery.