Sears credit card is the worst credit card ever...I hope anyone reading this will think twice about opening a credit card through Sears. I have been a Sears credit card holder for over 15 years--never late, until recently. Sears have a habit of changing thier billing cycles on a month-to-month bases. I thought my bill was due on a later date and upon going online to pay the bill, I found it was due earlier (4 days earlier). I immediately paid the bill, including the enormous past due amount, and paid extra on the account. I was very surprised to see that my interest rate increased an additional 5.17% which was due to the late payment. I immediately requested a reduction of the interest rate, which they denied. My credit is good, but they denied me anyway. Needless to say, I was soooooooo upset over this, I closed the account and will never ever shop at Sears again.
Today, Sears has lost a loyal customer!!!