Get 10% to 15% off by opening a department store credit account. Stores often offer you substantial discounts to induce you to sign up for (and get hooked on) their high-interest credit cards. Fine. Take them up on their offer and get your discount. But when the statement comes in, pay the bill in full and cancel the card in writing. Don’t just stop using the card: if you don’t officially cancel the account, it will continue to be reflected on your credit history.