Most Americans are middle-class. According to a 2016 poll, 58% of US residents identified themselves as middle class. 38% said they are working class or lower class and only 3% identified themselves as upper class. Cheat Edition ...

If you want to borrow money, and not buy a house or a car, your debt is not guaranteed by anything, so banks are more careful in such decisions. In such cases, banks consider many different criteria that influence their final verdict. ...