ok...this has been discussed before and there are conflicting answers so I will keep you posted. Best Buy had 18 mos 0% so I applied and their app. says to check if you want the HHD MC as well, which I don't but I figured for one inq I'll take it. Initially I was denied for inq's but called from the store and they manually approved for $3500. After I left the store I called and they said there was no way to stop the app for the Household MC AND that it would be it's own inq. I was peeeveeed. I told them if I had to waste a second inq I'd rather have the GM MC. She told me when I get it not to activate it and see if I could switch to the GM MC. Anyone ever try that and what do I do? Who do I call?