Last week I received my monthly Sears Credit Card Statement. The interest rate for regular External and regular Sears purchases had increased from 12.74% to 21.99%. I have an good credit rating and have never been late on a payment. When I called the 1-800 number, I was told there was a change in terms agreement mailed out in January. The prime rate is currently 3.25%. The discount rate is currently 0.5%. Today I receive in the mail from Sears the special interest rate checks. In the fine print at the bottom of the page, it say... read full review »