If ya take somone’s money, even on a loan with a promise to repay, ya ain’t got much to complain about if they’re checking up on your ability to repay it.
Irresponsible use of credit is what got us into this mess...now we’re going to complain when the finance company is trying to keep ahead of the game and restrict their losses?
If the American Express customers don’t like it, I suppose they could use their Visa or Mastercard.
Sometimes I really don’t get all the fuss.
The problem is not that they are looking at your history, the problem is that they are punishing individuals for the action of others.