With the exception of a few models, there exists a glut of firearms now. The manufacturers are filling the warehouses of distributors while retail sales are slow. The long wet weather and lack of ammunition, I believe, are two current factors. That, coupled with everyone who wanted a gun bought one. As for the credit issue, Wells Fargo is actually the bank of choice for at least one large chain store. The NRA is not perfect. Their problem is the image of angry old white men. They should recruit a younger audience without the use of Ed McMahon tactics. May you live in interesting times.