Have had Sears card since 1974. They recently lowered my credit limit from high to next to nothing. I called and they said they sent me a letter explaining, which I never received. A week after I called, I got a letter (interesting), saying I was late with payments, with bad credit. I pulled my credit reports (all 3) - excellent credit with no late payments on ANY of my accounts. Called them - they couldn't explain. Raised limit a bit. Just got a letter about new sky high interest rate. They are very unethical. Citibank probably worst among banks, and that's not saying much about the others!