As I shared before I have paid off two of my credit cards since the first of this year. Well, I came across two ten dollar credits that I could use but only if I used my card. One thing that became pretty clear is the cards want you back and will throw lots of things at you to get you back. So I used my twenty dollars worth of credits plus the discount they were offering and paid shipping on my card and then turned around and paid off the balance by phone. Four shirts for $7.78. Not bad. And most important ZERO balance.