I will rate Sears Credit Cards as a 0/10. After being a member since 1995, I inquired about having my interest rates lowered, as they are the same super high interest rate as they have been since I was a new member. I explained to them that it’s not fair to be forced to pay super high interest rates after 20 years. I spoke to 2 customer service representatives and 2 managers. They were very snotty with me and told me flat out “We will not change your interest rates, not now nor ever”. So I said “Fine, you’re going out of business soon anyway, I’ll just close down the card as I have no interest in working with someone who’s so rude and unwilling to appreciate a 20 year customer”. They could have cared less and stated “Well, we’re not going out of business and if that’s what you want to do, go ahead”. So, I cancelled. I have a Discover card that I’ve had for about 10 years, they very much appreciate my business and went out of their way to give me all kinds of cool deals including taking away all of my interest and giving me 10% cash back on most everything. I made it a point to tell Sears that they are losing their business to Discover and that, I will be sure to spread the word about their lack of care towards their customers. They didn’t believe me, now they will find out. I hope many of you will reblog this to prove that I’m not playing games with companies who don’t care. I have never missed a payment on my cards and I will not be treated like garbage. So if you’re considering shopping at Sears or getting credit, don’t.