Be me checking out of Lord and Taylor. Impoverished yet still fancy hot clerk is pushing the L&T credit card on me. Says I’ll get $65 off my purchase if I get the credit card. I tell her I have a girlfriend; she looks confused? Continues that I really should accept her credit card situation for these sixty five dollars. Tell her no I don’t want her or it. After the third offer I explain some facts: If I take this card my credit report is going to show a new inquiry and also a new account opened. So If I go to take out a loan any time soon that $65 is going to cost me upwards of $3K. Her nipples get hard and I exit stage left.