Apparently, if you pay your Sears Credit card bill at a local Sears Store, the payment is considered late if it's paid the day it's due after 5 pm. There is nothing in any contract that I can find with my Sears Card to indicate that this is the policy. Apparently, I've received multiple charges on my statement over time for this fee. The Sears Credit Card Statement does have wording about mailing checks to process centers and payments after 5 pm being the cut off but the wording is vague and seems to only indicate processing... read full review »