Credit you can't afford

It's so difficult to get credit in some places. Some stores say "courts you can..." and mean, "courts you can't" because you will be paying them for so long it will seem like you can't finish! Others are so selective about new people they are not willing to give anyone new a chance so it is standard for them to make the inital approval process a long tedious and drawn out affair. Before you even reach the end, you decide to give up rather than suffer through it. I call those the "too good for you" credit people. Of course that is ironic because credit was designed for the people who couldn't afford to pay cash for items, so for a place that offers credit to adopt such an attitude is laughable.
And in other places, you just can't find what you're looking for, so what's the point?
Then of course there are the ridiculous ones who always promise one thing and deliver the other. Case in point, Your Investments Ltd. a place that sells computers etc. If you call them up today and ask them how long it would take them to build you a system, they will tell you a week for sure. But go in and start the process, and you will find out that it takes more like three weeks and maybe longer if you opt to use their special financing service, which they tell you takes a few days to approve. With only 2-3 days for approval and say, 5 days to build the system, how does 8 days turn into 25 then? This is what happened to someone. Don't say you were not warned!