Methods for soliciting and enrolling customers for a retailer payment instrument are disclosed. For example, a method is disclosed for enrolling a customer for a retailer debit card which includes receiving enrollment data from the customer, establishing a check writer rating for the customer based on a history of checks associated with the customer and stored by the retailer, automatically adjusting a validation threshold score based on the check writer rating, and denying enrollment of the customer if the validation threshold score is less than the adjusted validation threshold score. Other associated methods and systems are also disclosed.