Sears Card

[hmcbride222]

Hi,

I actually called recently and was told that they never decrease the APR. When i asked for the reasoning, I was told because they have such great in store deals.  Well guess what, i'm paying off my debt so that doesn't really help me out.. I also called Lane Bryant and was told the same thing.. This may be starting to become the norm !!

H

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jstap01 wrote:

Has anyone had any luck getting the APR decreased on the store card.  I have called every month for the past 6 months.  PIF right after purchase.  Use other cards for bigger purchases because of the APR.

thanks

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[Anonymous]

I got my APR reduced to 0% with a minimum monthly payment of $50.00 for 5 months. But the woman I spoke with talked me into account care, which cost me 46.00 a month so my balance went down like 12 dollars! She didn't explain that of course. I cancelled account care several times and have still been charged for it. I even got letters telling me they reinstated me as a courtesy. Also despite the fact that I've been paying for months now my credit history shows no payment for 60 days three times b/c i am still over limit. My card was not over limit until i racked up so many finance charges from them in the first place. BTW has anyone hears of the 2 people from Massachusetts who sued Sears CC b/c Sears encouraged them to pay down their balance despite the fact that they have each filed for bankruptcy?

[Anonymous]

Just like Home Depot and other Citi backed store cards- use it for 0% offers or PIF

[Anonymous]

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cheddar wrote:

STBDW

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Took me a while to figure that one out.  Congratulations.

[Anonymous]

I have had a Sears store card since 2001 and my CL remains unchanged at $250. I also got the 28.99% APR. Blah...

[mrlimo]

After reading this thread, I looked what mine was at 18.33%  on regular purchases and 24.24% on Cash Access. I really didn't even know what it was.