My DM told me today that it is now discounted dollars. So what the first guy said, is correct. He says if you buy a pair of shoes that is $100, you pay $70, and save $30. And you would subtract $30 from your $500 limit, leaving $470 available to spend. I was originally told that if you tried to spend over your limit, the card would decline you. So I guess someone, probably me, lol, will have to test it, and try to spend over $500 after discount and see if it works.