Applicants turned down by mainstream private label card issuers get a “second look” from specialist lenders focused on these consumers. Second-look credit card applications are typically initiated at the point of sale when an automated system notifies a store employee that their company’s primary credit provider has declined an application. Genesis Financial is the top provider of private label credit cards to consumers declined by Synchrony, Citi, Alliance Data, and other mainstream providers. The company has generated more than $1 billion in private label card receivables since 2011...