Wasn't credit a bigger issue back in the day?

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Wasn't it harder to be financed for some things. My mom was telling me about when she turned 18. She had every card, out there. She also told me she received instant approval on an auto loan and put a 6k down payment on a credit card. What happened to these days?! Wasn't it harder to get financed and interest rates were higher? My dad bought a Mercedes in 99' with tier 1 credit but was still charged like 9-13% intrest
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