Don\'t use credit cards for everyday expenses. Rather, use allocated cash. When gone, you quite spending. However, for large monthly bills, charge to a Macy\'s \"Star Rewards\\\" credit card and pay off each month. You will get Macy\\\'s gift certificates at $10-$25 each when you use the account briskly. Combined with the Macy\\\'s 20% off selects cards, frequent sales and some forethought when buying, your clothes can be a bargain.