or you get store credit at the lowest sales price. ouch. third, never open a store credit card. there you are, returning a gift, picking up something you want instead. the clerk is pushing you to open another card and get another 15% off. don't do it. onlying up multiple cards makes you look weak and can ding your credit score. number four, cash in unwanted gift cards, there are plenty of people that will buy your exist cards from 97% of the value or more, depending on the store, a few examples, gift card gran fi.com. can you research more yourself. best bet cash them in, pay down all your holiday bills. >> so after a mild christmas, it is nice to know there are some places never short of snow. one such place is a frigid corner of norway. but the tore there will warm your heart.