Caveat emptor! This ad is a very cleverly worded bait-and-switch promotion. Upon reading the initial ad presentation, You THINK that you will get an instant $20 credit off your purchase that will show up in your "Bill Me Later" invoice. BUT, Buy.com conveniently does not tell you up front that you must first enroll in a "Shopper Discounts & Rewards" service, which will cost you $12 per month, BEFORE you can get "$10 off your next purchase" from Buy.com. In short, this "deal" is obfuscatingly worded, confuses "$20 off $100" at checkout (implied) with "$10 off your NEXT Buy.com purchase," (actually stated on the coupon) and tries to hook you into paying $12 a month. The advantages of this offer are all slanted to Buy.com and its associated retailers. You get virtually nothing up front, unlike what the ad implies.