Face it, if you're unable to pay, the credit card companies aren't going to try and repo the meal you had lst weekend, or the electronic toys and gadgets that you might possess.

I nod a lot and admire their new payment (car) or gadget or whatever.  

Any Other Weapon: Gadget guns like pen guns, cane guns, etc.

Forget the latest electronic gadget or game.  

It is just a small change in gadget and doesn't impact much.

when at garage sales, I bring a book to read at appointments that run tardy or at the shop vs browsing my phone, I lift/do work before gym class starts vs just waiting by the door, I talk to the older folks after their senior circuit training, I listen to podcasts in bike class vs the same old music offered, I sweep up and clean up after myself on service calls and usually address something else while there, I smile and listen and am genuinely curious about the other person in conversations, I have no consumer debt or shiny new toys or gadgets, etc.

- Credit score needs to be 620+- Does the tenant smoke or vape?

I second the smoking/vaping reason. 

My AC expert tenant in Property #2 came to Property #1 for routine AC maintenance, and he showed off his new gadget a FLIR camera tool that connected to his iPhone.BTW: A FLIR camera sees the world based on the temperature of the surface.

Best is this great gadget called a wife that handles all utility and HOA matters.