I have been working on paying off my debt for some time now and I called Sears about 6 months ago to ask them if I could get a lower rate. They said they NEVER negotiate interest rates. So... I paid them off first and then called to close the account! The woman asked why I was closing it and I told her point blank that the interest rate was too high. Yes it is nice to have an open card, but the temptation is always there to use it. At that interest rate, I just don't want that to happen.
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