Can you apply without committing to a purchase?I could try.If they don't give me 9.9% (is that the best advertized rate?)then they likely don't give anyone it.Though I applied for a credit card at Target, and they gave meonly the rip off store version of the card instead of thereal version.I don't know how they decide sometimes, but I know my credit ratingis great (I just refinanced)They might only give a better rate to bigger purchases, as they standto make more money that way. But >20% is usurious especially thesedays with the prime rate so low!0xF00L
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