I would not do either of those things, and I would not put necessary family needs on a credit card especially if I was worried I could not pay it off.  I would live within my means, buy less for the baby's room and make do with less, and pay cash for these things.

Sorry that sounds harsh, but that's my opinion.  The Target 5% off is quickly cancelled out if you pay any interest.    I would be (did) watching drugstores, grocery stores, etc. for sales and coupons and buying in cash (debit card) whenever on good sales and stocking up accordingly.