I applied for a Sears MasterCard in the store on May 30, 2005. I was not asked to enroll with Account Care nor did I sign anything that authorized Sears to enroll me in Account Care. The salesperson did not even ask me to sign a disclosure.
Two days later, I received what looked like junk mail and it turned out to be my Account Care information, saying thank you for enrolling, etc etc. Well, of course I was angry, because you have to pay for this special service, and I called the number on the letter. I reached Sears customer support, who asked me for my account number but I didn't have it (I never received my account number, either in the store or with the Account Care info); then they had to transfer me to the Account Care people so that I could terminate the service.
The customer support person told me that I must be mistaken, the salesperson in the store had to have told me about Account Care and its benefits, and I must have signed something. I said "no, I never received any information about this" and she continued to try to tell me that I was incorrect. She finally gave up and then proceeded to tell me about the benefits of Account Care, regardless of the fact that I had already told her that I wanted to cancel.
Finally, I got them to cancel the service - but here's the kicker: I received my Account Care info 2 days after opening my MC account, right? Well, it's now been over 3 weeks and I still haven't received my Mastercard, or a first statement!
Watch out for in-store credit applications; if you sign something make sure you read it (too bad that I didn't sign anything and they still gave me an account); and specifically tell the salesperson that you do not want Account Care (there may be something automatic in their computer that you need to ask to be opted out of).
Metro DC area, Maryland