Do you know if there's any way to find out why they have refused the financials? I think there's more than just "Declined", we, the customer, have the right to know exactly why they are refusing the finance. I know for sure that If a lender rejects your application, it's required under the Equal Credit Opportunity Act (ECOA) to tell you the specific reasons your application was rejected or tell you that you have the right to learn the reasons if you ask within 60 days.
Sorry to hear that you're experiencing issues with trying to buy through Samsung finance. It can be frustrating and concerning when you've never had finance issues before. It's understandable that you're worried, but don't worry, you're not alone. Sometimes, even with a good credit score, it can be difficult to get approved for financing. You may want to check your credit report and see if there's any inaccuracies or errors that could be impacting your credit score. If you're still having trouble, you may want to consider talking to a financial advisor like those at http://www.thefinitygroup.com, they will be able to help you understand your credit report and guide you in finding the best financial solution for you.