Thank you all for your info on here (and yes, I skipped the off topic stuff too).
I will be dipping myself into 5x$500 today to meet the minimum spend on my Amex SPG.
I've dipped my toes into the Amex for Target twice now and found a bank near me with a $1.50 withdrawl fee.
Is Black Friday as crazy in the gift card world as it is in the merchandise world? I'm thinking we can MS like crazy on BF without putting up any red flags.