The Bay Friends and Family Sale

Anyone Torontonians know of the Bay sale? It's 20% off any regular priced item if you use their HBC credit card or 15% off if you use other method of payments.  Now even though The Bay always have these random sales when you use their HBC credit card, it was never an attractive sale to me since I never find the brands I like in the Bay.  BUT they've definitely took it to my next level when I saw brands like Sam Edelman, Sperrys and Uggs.  I actually picked up a pair of Sperrys Originals.  Its original price was $110 and with 20% off as well as tax, it came to $99.44 CAD.  Great deal I guess.