Associate
It's as simple as:
1) Be lucky (most important)
2) Don't be fussy (buy whatever even if it's not a great deal or card you want the most)
3) Get your ducks in a row (user account with card payment details pre-entered etc etc).
As he said. I will add as well, trying smaller shops and accept a lower tier / grade brand. I found plenty Zotac 3060 / 3060Ti in a local shop, at close to MSRP but nothing higher tier