IMPORTANT DEFERRED INTEREST PROMOTIONAL OFFER DETAILS (when offered): FINANCE CHARGES accrue on a promotional purchase from the date of purchase at the rate in effect from time to time and all accrued FINANCE CHARGES for the entire promotional period will be added to your account if the purchase is not paid in full by the end of the promotional period or if you default under the card agreement. Making the minimum monthly payment will not pay off your promotional purchase in time to avoid FINANCE CHARGES. With credit approval, for qualifying purchases made on a Sears card (Sears Commercial Oneaccounts excluded). Sears Home Improvement Account (sm) valid on installed sales only. Offer is only valid for consumer accounts in good standing and is subject to change without notice. May not be combined with any other credit promotional offer. Promotional offers of 14 months or more require minimum monthly payments as disclosed in the offer.

SEARS CARDS: APRs up to 26.49%, but if your account has a variable APR, the APR is up to 29.99% as of 11/02/09 and may vary. Lower rates may apply. Minimum FINANCE CHARGE: up to $2. See card agreement for details including when the default rate applies.
Sears cards are issued by Citibank (South Dakota), N.A. Sears Solutions cards are issued by HSBC Bank Nevada, N.A.