Avoid Sears - they ARE the plague!
I'm in banking and finance in the US - if you ever decide to utterly destroy your credit rating, doing business with Sears is a good place to make it happen.
Sending your payment in on time or even before it is due is no guarantee it will be posted timely. I've seen consumer credit reports with 60 and 90 day lates on them from before the Sears account was even opened! Sears *prefers* people with substandard credit because they know these people are likely to incur massive late fees. Getting any of these mistakes corrected is almost impossible, even if you have an attorney do it.
It gets worse . . . a good friend of mine had a massive stroke, after many weeks in the hospital, they let him out - couldn't walk, could barely speak, this man was destroyed. Sears sued him for the $1,200 balance on his Sears credit card - they wanted his wife to sell their home so Sears could get their $1,200 plus late payments and interest. It is OK to park his wheelchair under a bridge, but at least Sears will get paid.
Once, in a moment of extreme weakness I bought a washing machine from Sears - it was the make and model I wanted and the price was right. Wrong. It never worked from day one, and as far as Sears' slogan "Satisfaction guaranteed or your money back" went, it took me over a year to get anything back, and I had a good lawyer as well.
If Sears opened a store in Kabul, then the Taliban would REALLY have something to be pissed off about. In the meantime, if you wish to live a happy and pleasant life, stay away from Sears and keep their spyware off your computer.