In this paper I'm interested in the prospects for the Right Reasons theory of creditworthiness. The Right Reasons theory says that what it is for an agent to be creditworthy for X-ing is for that agent to X for the right reasons. The paper has a negative goal and a positive goal. The negative goal is to show that a class of Right Reasons theories are doomed. These theories all have a Conceptualization Condition on acting for the right reasons. Conceptualization (...) Conditions demand that agents who act for the right reasons deploy or be able to deploy certain normative concepts in acting. I argue that views of this type run into a host of overintellectualization problems. The positive aim is to argue for my Right Reasons view, which appeals to know-how to avoid overintellectualization. (shrink)