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Saks has filed for bankruptcy. The Amex Platinum card comes with a $50 Saks Fifth Avenue credit every six months, so you might want to use it up.

We took a look at the website, and honestly, there isn’t much left. A lot of the usual small picks, candles, skincare, socks, gifts, are either gone or only available in odd variations. So if you had something in mind for your credit, now’s probably the time to grab it before the selection shrinks even more.

You might have better luck wandering into a physical store. Some locations will still might have decent inventory; others might look like the morning after a clearance sale. It’s a bit of a gamble, but it could pay off if the website isn’t giving you much to work with.

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