Its shares plunged 33% on Tuesday after it reported earnings, on issues that included credit deterioration among its subprime customers. Suddenly rising 60-plus-day delinquencies and first-payment defaults, where not even the first payment is made, caused the company to become “prudent” and “tighten credit,” which caused same-store sales to drop 8.5%. And shares plunged (stock data via YCharts):