It's too busy at work
Too many people are taking out credit cards and I don't have the energy to sell to all of them.
And since they done that thing on the telly about identity theft everyone thinks they are specialists.
I keep having conversations that go like this:
Me: Can I have characters two and three from your security password please?
Customer: No, I can't give you that
Me: And why is that?
Customer: How do I know who you are?