text: what??? you gotta be kidding!!!? i just called searscard.com and asked about lowering my interest rate.  the woman told me "no one in or out of the company negotiates rate reductions."  what the heck does that mean???  to me it means "sorry, you're stuck, sucka!" if your credit already sucks you probably have no option but to continue to use sears.  but remember...there are thousands of banks out there anxious for your business, and i'm positive that one of them will give you a much lower rate.    so just point that out to the sears rep....lower it or cancel it.