Anyway, I called their CS just to ask why the limit was such an odd number. She said the credit limit is derived from some formula based on your credit score. I'm not sure which CRA they pulled, but could anyone else who recently got a Sears card list their balance, credit score (if known), or credit situation, and which CRA they pulled. I know my Equifax score, but I'm sure that's not the report they used - it's my absolute worst. Thanks!