Sears Gold Master Card

For months I actually had a zero minimum on my Sears card, but of course I paid anyway. Then needed to use the card during some hard times, and according to them I got behind. My interest rate went to 34%, which sent my balance over limit. Now I have an over limit charge and a 34% interest rate.

Beware... of this credit card. Also, very rude representatives, snippy about ruining my credit.