If your credit card is denied, screw you: no purchase today. Apple lost out on an 80gb iPod sale with AppleCare, and a hard-shell case from Marware (the Sidewinder). Total w/tax = $465 (approx). Paid for something else with cash, and although my sales guy was nice about it, his boss was a tad snotty. My guess is he didn't like the idiotic policies of "one swipe of card; if it doesn't take, no purchase today" that different companies recognize as a glitch in the swiping mechanism -- and pass the card through again. Is Apple trying to protect themselves from fraud, or the custormer from unscupulous salesfolk?