I should have just waited like I SAID but they had this 12 months same as cash thing. Okay, so the lady gives me the application and I see it's Monogram - hmmm, not good. I applied for a Casual Corner credit card and they told me I had too many accounts! They also pulled TU...not my worse report, but not my best either! So I go ahead, thinking maybe since it wasn't Monogram but a company of theirs, that they would be more lenient. I'm DENIED. They have other places but for whatever reason, they are pushing American General Finance Co. So I'm thinking, I don't want a Finance Co. on my CR. I have some cash coming in that I can just pay for it up front and I think that's what I'm going to do...which was what I SAID I was going to do. Oh well, another wasted inquiry on TU, no new credit to speak of from them. I REALLY gotta work on the TU file now. I'm just venting.