I now realize it is detrimental to our credit, the credit we are trying to improve by having this account, to be in this position. I called and told them I wanted my cl increased to match the amount I owe. I was transferred to Sears National Bank. Went through first clerk, then on to her supervisor. The supervisor is obviously trained in sales double talk. She kept bringing up irrelevant issues and nit picking to frustrate me. I have decided her title should be professional irritant, because that is what she is trained to do - irritate the account holder until they give up. I tried to explain to these clerks that I have a perfect payment record with Sears, yet they are punishing me by damaging my credit score. They will pull a soft inquiry when it reaches 6 months old, and use the credit score they are damaging to decide whether or not to increase our cl! I am not giving up, I ran out of time, but got the name of her supervisor (team leader). I am going to try him next, and as high up as I can go, then if I cannot get what I want, I am going to try Planetfeedback. I have read on this board that Sears is hard to work with. Any other suggestions? I realize it could only make a couple points of difference, but that is not my point. I was uninformed and did not have the information to choose to be int his situation. Besides, any point I can get is worth it to me.