Please do not When I opened my Lord & Taylor credit card, I was told I would receive 15% off the purchase I made that day. I got my statement, but the 15% credit did not appear. I thought it would be a simple matter of calling the credit card company and getting a credit to my account. However, the credit card company said that it would take two billing cycles for the credit to appear, and, if I only paid the amount I was supposed to be charged, I would be charged interest on the remaining balance until the credit was applied, and that the interest would not be refunded. When I asked why it would take two billing cycles, they said they had to contact Lord & Taylor to verify the purchase. This does not make sense, since they had a record of the purchase on the credit card bill they had sent me. I have had issues with both my Macy's and Nordstrom credit cards, and the issues have been resolved immediately, so this seems like a bit of a scam. I will use it to spend the credit, but, after that, it will be destroyed.