Okay, so I REALLY want the Tortoise Keyfob....badly. I basically don't have the money for it since I just bought a new Carly, phone (mine conveniently decided to die), and I have to get my hair done which is extremely expensive. But I want that damn keyfob!!! 20% off for friends and family is great, but it's not enough for me. I really want to get the price down. So I was thinking about opening a Macy's charge. This is where the problem comes in. I have like 7 credit cards, and I'm only 21. I don't necessarily use them all but I am still paying some of them off. I got my mom to take two of them off my hands for me but I have a huge visa bill that I just put my Carly onto. How much is the discount for opening the credit card? I was thinking maybe I'll just open it, pay it off right there, then take it home and shred it. I don't go to Macy's anyway so it's not like I'd use it. What do you guys think?