Watch Discove card also, if they even exist anymore. I made one late payment 20+ years ago, $25.00 late fee. That was my fault, I was pissed at myself, mailed it late. The next month sent the check the day I got the bill. Guess what I got a late fee on the next months bill. I called about that charge, their answer was, oh sometimes that happens the month following one late payment. I never shopped at Sears again. I thought they started Discove card. I am still glad they are going down in flames.