I'll usually ask the wife what the issue is with her husband....why doesn't he want a RedCard?
Sometimes it is a reasonable answer.
I also get a lot of people telling me that they are getting ready to move and that the bank tells them to wait on applying for a credit card.....that's when you tell them that they can get the card as a debit..... while the loan comes through.
The only reasonable answer is when someone says that they have a card that is an airline card.....we can't compete with that.