Dear dead guy:  Would you like a 0% credit card  with 95% APR universal default triggers (i.e., late on your water bill = default rate on your wholly unrelated credit card )?

He Has Been Dead for Five Years.  WTF?  Why not?

Dear He Has Been Dead for Five Years:  Guess we can’t after all, since evidently Mr. He Has Been Dead for Five Years does not have a credit history.

Idiots.