Sears Gold Mastercard is offering 20%, (up to $550.00), for all amounts paid that are over the minimum payment due. The program states, 'we'll match 20% of the amount by which your on-time payments exceed total minimum due'. Mentions nothing about doubling your interest rates and even claims, 'This is an easy-money saving program for you'. We have 'never' missed a payment or been late even one time since 2002 when we opened our account. We had a 12.83 APR until we signed up for their 20% savings program... read full review »