I tried to use some of the credit I have in store for the two consecutive monthly payments as a VIP member since 2012 and comes up that I can't use those credits for the discounted items, so if I wanna buy them on sale I have to pay with my card or buy them full price with the credit that I already have! There is not point then to have them discount my bank account each month when you can't use those credits on the items that are on sale!