I HAVE HAD MY SEARS MASTERCARD FOR TWENTY YEARS AND HAVE NEVER BEEN LATE AND HAVE NEVER MISSED A PAYMENT. MY INTEREST RATE WENT FROM 14%TO 24% JUST BECAUSE SEARS / CITIBANK DECIDED TO RAISE ALL OF THE RATES EFFECTIVE MARCH 1, 2009. NEVER RECEIVED ANY LETTER ABOUT THIS AND CANNOT GET THEM TO REEVALUATE MY ACCOUNT. I WAS TOLD THAT SINCE I AM A GOOD CUSTOMER WITH STELLAR CREDIT HISTORY, I CANNOT BE CONSIDERED FOR ANY RATE REDUCTION. THE ONLY WAY I CAN BE GIVEN A LOWER INTEREST RATE, WOULD BE TO DEFAULT ON MY PAYMENTS AND GO INTO COLLECTIONS. IS... read full review »