A word of warning......watch for the Sears CitiBank Visa, in my case I thought I had it paid off, using it only for a discount purchase. I stopped getting monthly bills for 6 months, then got a notice that I had an annual fee, late charges and penalties and the rate was up to 30%. I asked where the bills had been going....no response. I paid off the card, closed the account and will not get within 50 feet of a f---ing Sears store if my life depended on it.
Citibank--see my post about Brand X...