sears pay my credit card

You will have a collection on your credit report, and possibly a judgement because they may sue you. If you can pay atleast the minimum please do so because this will ruin your credit!!

Well first it will just be delinquent. They will call you and annoy you. After a while it will start to affect you credit rating.

I understand having been there with bad credit due to not being able to pay my debts. I got help from someone and he gave me a solution, a lengthy solution which I quite don't remember clearly.