I have Never had good luck with Sears lowering my interest rate from 21%. In May, I bit the bullet and paid them completely off (1300.00)They are now closed, and went bye bye, along with Providian, MBNA,and FNAB Visa. I've kept my 2 Capital One credit cards at 14.9% (I know not a great rate, but they did work with me and lowered them down somewhat over the past 2 years. But, no more Sears for this chickie!!
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