Sterling Jewelers Inc. Credit Card Complaint

Sterling Jewelers Inc. Credit card department,

APR or interest rate Florida

I have found an account for Kay Jewelers on my credit report from 2008 that was charged off. I do n't recall ever charging anything to this account. When I call to get information on this debt the representative on the phone informed me that the account was transferred to - and they had no other information. The amount of the charge off is $120.00 which I always paid my bills but in store with cash. I would never carry a balance on this card as their interest rate is 25 % APR which is usury in the State of Florida as the Florida Stature caps interest at 18 %.