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While it has been a couple years since I owned one, I had an overall good experience using my Sears card. At the time I was young and so their $500 credit limit they gave me was perfect, it gave me enough to spend on items I needed for the house I was renting at the time but not enough to get into crazy debt with them. From what I heard from other people it was slightly difficult to get approved for the card (I don't know if that's the same now), but I was military and got approved easily. In the end I decided to pay off the balance and cancel the card as I was trying to get rid of all my credit cards. It's a very useful card to have if you're a renter or home owner. Also, due to the varied selection of Sears it's got a wide range of uses.
I only applied as I was purchasing a dress and the offer brought the price of the dress to almost free. I did not shop at Sears much so I honestly forgotten I applied for the card. I had a nice limit however the interest rate was so high I chose to pay the card off and close the account. After using for Christmas one year, I realized the benefit was not worth the interest that was assessed. I had all the major credit cards and NONE of them charged me that much interest.