I spoke with a supervisor by phone with Sears today. I asked if I could get a lower interest rate, but they said 25.24 % compound daily is the standard for CCs. I make monthly payments consistently the XXXX week in each on my credit card. My account is due on the XXXX. I pay more than the minimum account due. Only about {$88.00} of my {$200.00} payment reduces the {$4000.00} balance. In order to avoid paying so much interest, I was told to make payments around the XXXX after Sears billing cycle around the XXXX. That way, I will pay XXXX days interest instead of XXXX days interest. I have had this account for XXXX years, and this is why it 's taking such a long time to payoff. According to Sears profile, if this continues, I would have paid them {$13000.00}, for this account. This appears to be a tricky way for Sears to keep me ( consumers ) in debt. The billing cycle date was not significant to me. They scheduled a due date, however, if I pay on the due date I pay more interest, than closer to the billing cycle date. This does not seem fair to me, nor consumer friendly. Thank you for your attention. 
