ABOUT TWO YEARS I WHEN TO SEARS TO PURCHASED A BIRTHDAY GIFT FOR MY SON (JACKET) MY INTENTIONS WAS TO PAID CASH FOR THE JACKET. HOWEVER, THE CASHIER ADVISED ME THAT I COULD APPLY FOR A SEARS CREDIT CARD AND WOULD BE BILL FOR THE PURCHASE AND I COULD KEEP MY CASH. AT THAT TIME THE CASHIER DID NOT ADVISE ME AS TO THE CONDITIONS, LATE PAYMENTS NOR ABOUT THEIR ANNUAL FEE TO KEEP THE CREDIT CARD ACTIVE. I RECALL TELLING THE CASHIER I HAD CREDIT PROBLEMS AND THAT I PREFERRED TO PAY IN CASH FOR THE PURCHASE. MY INTENTIONS WAS TO PAY... read full review »