Saks MPAs are major lines of credit. Someone who gets approved for $2000 on a saks card could get $20000 on a MPA. It is for furs, jewelry, and Chanel all year round, but it was everything in the store 12 months interest free for about a month before christmas.
If your saks credit limit is too low, you can call and have it raised. When you open card, you can immediately open a MPA, but it is considered another account, and you don't get the first day 10% then. You can use that 10% when you use your actual saks account for the first time no matter how long after.
*I am a Saks SA