My wife and I are physicians. Zero debt. Decided to get a little debt to keep good credit. Purchased a Honda Pioneer side by side for $15,000+. Put a couple thousand down. Within minutes of course we are approved at terms we agree to and signed a contract. I receive this letter one month later stating they can not offer us credit at the terms they agreed to. Now I must spend a darned hour on the phone with someone who doest give a poop to straighten out their inefficiency. Total bad experience and will refrain from dealing with them again. I guess I should have paid cash or bought Polaris!