Can't sell membership or credit card

Anyone else unable to sell the credit card or any of the memberships in good faith? Ethically it just feels wrong unless the customer GENUINELY is saving money immediately and is in a good financial state for the credit card. I get very little apps and memberships because of that and management keeps getting on me for not selling it. When I try to ignore my own ethics and just sell it as they ask to every customer no matter what I get customers who get angry/pissed that I keep trying to mention it to them and I feel wrong doing it even when they just give a simple "no" and don't get angry. Anyone else in the same boat as me?