I got a Younkers card in August. I applied in store, per the salesman's pitch. Wasn't sure if I'd be approved as I just closed on my mortgage refi in July. Per TU, my score in August was 743. Was instantly approved for $2,000. Once I was approved, I got 20% off everything for the first day. You may want to check to see if that 20% off (the first day you have the account) will still be valid on Black Friday (November 29). If so, apply in store, and if approved, you can take advantage of great discounts! when i was approved, they gave me a receipt and little folder with all the disclosures, and I had to show that to get the addtional 20% off.