Sears has a way of "losing" your final payment for deferred interest balances. When you inquire they try to negotiate with you about the interest that has accrued.
Once you fight for 8 hours about the interest that accrued because the check "never arrived" they ask you to make the payment in full for the balance BEFORE the accrued interest and they will waive the accrued interest. They make you pay by debit card, so basically cash over the phone. Then on your next statement you'll see the entire accrued interest as a balance. When you call they claim that the person that took your debit card balance had no authority to agree to any waived balances.
Then they try to negotiate again. Total scam. I have shopped at sear for 40 years and my father and grandparents have always shopped at sears. They will never see me in a Sears store, shredded my credit card and will spread the word.
Just don't want any one else to fall for this scam.
Oh yeah, miracously the check has never been returned, found or cashed. MMMM, where can it be?
Product or Service Mentioned: Sears Credit Card.