No problem at all getting credit. Actually had one of the banks I do business with call me proactively to "offer" me a new loan out of the blue.
Also, no change in credit card solicitations and my wife is getting a second one with a 10 k limit just in case.
The only thing I have really seen squeezed lately is a few people I know with ARM loans. A few months ago the banks were working with them to migrate
them to fixed rates but then stopped abruptly and will not even talk to them on the phone anymore. One of my best friends actually was told they were
not going to honor these offers and to stop calling and hung up on him.
So as our politicians portray these banks as "working with" people to avoid foreclosures, they are forcing them as much as possible to cause a
further crisis requiring this bailout.