Just bought a Sears top of the line smooth top 10 days ago and very pleased. Charged it on the Sears card, which was convenient, but could have put it on Visa or what have you. Got the bill yesterday and was on my way to the bank to pay it then noticed an extra $30 charge for "insurance". Since Sears has sold its financial arm, that financial institution seems to feel free to add extras. I complained like hell and had it removed otherwise Sears would have had the stove back. The poor devils who have to pay department store finance charges of 28% will find the "insurance" charge will boost that rate to nearly 38%. Of course, Sears receives a kick back so they are ultimately responsible for "Sears Credit". Not very ethical in my opinion.