[Vermont Lt]

I got a call from Sears the other day asking why I wasn’t using their card. They could increase the limit if I wanted (my credit score is 800+)

I told them that their basic rate at 25.5% was horrifying. If they could lower it to the 9% my other cards charge I would be happy to use it.

They said they had not promotional rates, even for good credit customers. Then I suggested that might be why they are going out of business.

[Buckeye McFrog]

I got a call from Sears the other day asking why I wasn’t using their card. They could increase the limit if I wanted (my credit score is 800+) I told them that their basic rate at 25.5% was horrifying.

I told them it was because they had closed all of their stores within a fifty mile radius of where I live.

[RedMonqey]

I cut up all my cards after they raised their rate to 10%.

Kept getting mail and phone cards why I didn’t want another card. I said lower back to the rate I originally signed up for and I’d consider it.

That was many years ago.

I figure if I really need it, to just save my nickels and dimes like I did when I was a kid.

I do have a checking account with a debit card so to He## to credit cards.