Do NOT, under any circumstances, open a Macy's charge card to get an additional "20% off" your total purchase. Here's what these SOB's are REALLY doing. The clerk is signing you up for a monthly "credit protection service" and gets a bonus for each person who signs up (without you knowing you have signed up!) Here's what you get, a $2.37 mnthly fee to your credit card bill. Don't bother calling the Macy's credit card people cuz they don't care (and are probably in on this scam). They tell you to call the Credit Protection people and have them credit your account. When I asked them how they think they can bill me for something I never signed up for they said the clerk at the store signed you up and when I signed for the credit card, I agreed to it. If I have problems with that I should call Macy's and speak with their manager. They canceled the service and credited back the fee to my card but here's the catch, everytime I use the card the fee appears again so I have to go thru the whole exercise all over! I told them to pound sand and canceled my card. I may never go into a Macy's again. Who do these fricken people think they are?? Hopefully my complaint to the Better Business Bureau will bring on a class action suit and anyone that ever shopped at Macy's will get a check for $2.37. I repeat, DO NOT OPEN A CHARGE ACCOUNT AT MACY'S...EVER!! Nordstrom has nicer stuff anyway and have gotten a lot cheaper in this bad economy. Hey Macy's people, "bite me - you all suck!!" :-)