I'm the type of person that doesn't like a lot of credit cards. I have a best buy one that I use ONLY when there are promotional rates with 0% interest for a set amount of time. I noticed that on Apple's site, they say - "special rates on your FIRST purchase" so basically any other time I would want to use it, I would have the 23% APR? I'm a bit confused as my Best Buy card works nothing like that as they offer 0% on certain amounts purchased all year round. Thanks. Basically, if I'll never be able to use it for promotional rates again (0% if I spend a certain amount), then I don't want it.