Holy beatdown Batman! From a spam I got from Sears today, the evilness in the fine print:

Sears cards: APRs up to 26.49%, but if your account has a variable APR, the APR is up to 32.24% as of 4/02/07 and may vary.

32%! Why not say they'll take your arm, leg, or a night with your sister? Holy moly!