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Just a side note on the Sears card, if you get one, pay it off EVERY month or youre doomed.
Ive read several places it is the hardest to pay off if you have a lot on it and I know first hand it is too. We had one about 2 years ago and we got a freezer on it and a washer and dryer and some other household things and the interest was horrible and it was forever to pay off. Finally I just saved for 2 months all the extra money and paid it off so I didnt have to see the bill anymore. It took my uncle a long time of paying the minimum from his Sears card and realizing it wasnt paying crap so he paid it off fast. Its nice to have if you need stuff for you or home, but pay it off.
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