Sears card: 11/15/99 entered agreement to pay sears 23.00 /month for 5 years to pay off card. Balance at this time: $1074.58 11/15/99-10/15/04 have paid them 23.00 x 59 months: $1357.00. Balance on sears card today: $1,926.91. The payment date set up was for the 15th of every month, his payment due date is the 22nd of everymonth. Find out there is a 7 business day holding period of my 23.00 prior to being posted to the account. For the last 59 month I have been charged a late payment fee that has caused me to be charged: over 2,000.00 in fees that i had no idea. any options through sears....pity letter? ..