Going off track a little, your comments on bank behavior jogged my memory a little. Now back in the early 60's, you have to remember that there were no computers or nation-wide credit agencies. It was all local. In our little area, a few employees in an upstairs office would collect reports on people from credit bureau members and put it in a file (paper file). They also would clip articles on people out of the newspaper and put it in a file (paper file). Our HS general business class took a field trip to their office just to see how it worked.
I had two department store credit cards. One local and one Daytons (now Target), mainly for clothes and concert tickets but paid every month. I also had a Standard Oil card. At any rate when you applied for a loan or credit card, you needed to list your credit references-which of course were the local bank and credit cards. They would then do a check with those folks which eventually would be the ladies pulling the paper file with your name on it to see what was in there.
So if you had a relationship with your local bank, credit should not have been a problem. If you moved to a new location, one of the first things you would do is establish a checking and savings account at a local bank. Also identity theft was unheard of because of the local connection and the paper file. Not sure what the point of my comment is but it jogged my memory.