What? You gotta be kid!? I just call Searscard.com and asked about lowering my interest rate.

I just call Searscard.com and asked about lowering my interest rate. The woman told me "not a soul in or out of the company negotiate rate reductions." What the heck does that be a sign of? To me it means "sorry, you're stuck, sucka!"

Yeah I tried that once too. I called one of my mastercards and asked for a lower rate, similar to they tell you to do on TV, and she said "no specifically the lowest rate we can offer right now", which be 25%. From what I have see, this only works for ethnic group with resembling PERFECT credit, which is what, a tenth of one percent of the population of planet earth? I be aware of your pain.

Sounds similar to you might want to rethink having that Sears side.

Since Sears can charge up to 30%you might want to pay them sour or get a consumer loan from your mound, if you don't have the brass. Otherwise you're stuck.

Bologna. I don't buy that any. They can do it. Whether or not they WANT to is the issue. It depends on your credit rating, I'm sure. If you are a high credit risk, consequently they'll keep your interest rate soaring. If you have stellar credit, they will potential lower it for you to keep your business. You might consider looking around for other credit cards that bestow lower rates and then overthrow your Sears credit. Sears accepts foremost credit cards so it shouldn't make much difference.

Everything is transferable. If Sears doesn't want to negotiate, then end your card. When they send you to the "personage in charge of cancellations" (this is the being they train to talk you out of it), basically be firm and cancel your card even if they tender to lower your rates then. If you own a balance, within are credit cards that will allow you to set up a new depiction with free stability transfers and some will be interest free for a year. Most credit card companies will negotiate if you have be a customer for a while and have remunerated you bills on time. But you own to ask. Sears will accept adjectives major credit cards.

Answers: If your credit already sucks you probably own no option but to verbs to use sears.

But remember...nearby are THOUSANDS of banks out in that anxious for your business, and I'm positive that one of them will give you a much lower rate.

So lately point that out to the Sears replower it or cancel it.

you may wnana undo that card and stay away from store cards. you basically are screwed over near this one.sorry

it's called sear sucks.

Here's my experience with sear. My boyfriend bought a 52 inch hd projection tv...it started sparking and going crazy-broken. we take it pay for they give us a investigational one, 2 weeks after getting it (just like the first) it starts doing duplicate thing, we call for, they say to bring it put money on in..we own a small car...not going to come up, so we asked for them to pick it up..not without a convience charge

within the end. sear is a money hungry store and I willl NEVER buy another thing from at hand...

what you will have to do is acquire someone else on the phone..someone higher up..telephone the actually card place...its a credit card right? or store credit? any way, name back emergency to talk to./have the number of someone who can backing you out, if they say not a soul can, get loud and blunt next to them.