<prompt> Human: A lot of stores offer similar promotions when you sign up for their credit card dicks, Macys, gap, etc. Is there a downside to signing up for the card in order to use the discount, but canceling it shortly after? How does it affect your credit score?  <response>: Not bad if you are doing a reasonably large purchase where 40 would be worth a small drop in your score. However, make sure you pay it off immediately because store cards often have very high interest rates. 