@Edgar Cruz Totally true but all lenders don't ask but even if they do, you can just tell them. The decision is based off the report and the score. Anything else would lean into violation of the Equal Credit Opportunities Act, easily.

@Edgar Cruz This is true to a degree, but the courts have already determined that lenders have subtlely and deliberately discriminated against us, and we do not even know because of a limited understanding of our rights. The 5 C's of credit are just as important as characteristics via ECOA and other statutes. "Under the Equal Credit Opportunity Act (ECOA), it is illegal for a lender to discriminate against a borrower based on certain protected characteristics, including race, color, national origin, sex, marital status, age, and the fact that the borrower has exercised certain rights under the Consumer Credit Protection Act, such as filing for bankruptcy. However, some lenders may still engage in practices that could be viewed as discriminatory or in violation of the ECOA. Here are some ways a lender might discriminate against a borrower who has filed a previous bankruptcy, potentially violating the ECOA: 1. Denying Credit Based Solely on Bankruptcy History 2. Requiring Unnecessarily Harsh Terms Due to Bankruptcy 3. Inconsistent Treatment of Borrowers Who Filed for Bankruptcy 4. Failure to Provide Notice of Denial or Adverse Action 5. Discriminatory Credit Scoring Systems 6. Refusing to Rebuild Credit After Bankruptcy 7. Imposing Different Documentation Requirements 8. Different Standards Based on Marital Status or Gender Post-Bankruptcy Conclusion: To ensure compliance with the Equal Credit Opportunity Act, lenders must be careful not to use a borrower’s past bankruptcy as a sole or disproportionate factor in denying credit or offering unfavorable terms. Instead, lenders should assess each borrower’s ability to repay based on current financial factors, without applying blanket policies that disproportionately harm those who have experienced financial difficulties in the past. Discriminating against borrowers based on their past bankruptcy, without considering other aspects of their current financial health, could lead to violations of the ECOA.

@Mic Dam It's negotiation between the parties.

You can also set yourself up to run an invoice for services but does it makes sense based on the fees, the payments, etc. If you using the funds short term to make money, that's different. A lot of us get caught up accessing the funds without a viable purpose. @Edgar made a crucial point, they can shut that card down if they are concerned about the transaction type.