If you have a Sears Card regular or pluss and you have Account Care for these cards are I think and credit card !!BEWARE!! Make sure that when you need to activate the Account Care so they can make the payments for you when you are having a hard time.
Make aure and sign up days before the payments are due-So, if the ppayment is due on the 5th of the month make sure and sign up on the 1st of the month. And make sure and try and still make your payments until you hear that they are even going to start making payments and then make sure that you ask them how much they are going to pay. Because they only pay the min. payment that is due when you start, so if say you sign up and 20.00 is due and then the next month for some reason is is 24.00 is due you make sure and pay the difference because they won't pay 24.00 they only pay 20.00 and then you are late and then you have a 30.00 late fee. We did not know all of this when we called the Account Care that we had on or Sears Card .
We just found all of this in the past few weeks after 180.00 in late fees and I am sure alot of lates on or Credit report. We were laid Off so, every thirty days we had to mail the stub from the unemployment check every month. It was really nuts. The Account Care protection with Sears is the worst. But, If you have a Best Buy Card and have the Account protection this one is the best.
We didn't have a problem with this we called them up faxed the laif of letter and then they called us and said " that they hope this helps and deducted half of the balance" So, now we don't own them a whole lot and the payment is much less. And we are able to pay.
They are the "BEST" But are for " Sears Account care " "BEWARE THEY ARE THE WORST "