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All credit granting institutions today use powerful computers with sophisticated models that look at things like debts, payments (history and amounts) and other factors to get eupport pretty accurate picture of household income. As this job is centered around making sales, he did very poorly at it and because of this could no longer support his luxurious lifestyle. If you have a Wells Fargo checking account, you can link it to your Secured Visa as overdraft protection. If it really is something to worry about, please let me know.