I have had the Sears card by Citibank for almost 30 years, since 1990. I have always felt the customer service was pretty horrible, but I just used it and paid it off, no problem and never really had to deal with customer service...until recently. Due to Cat 5 Hurricane Irma headed directly to my area of Florida, I recently evacuated my state and spent a few days in Alabama, came back to a mess, and things are going OK now--a few weeks later. After returning to Florida, my car lease company reached out and said, "why don't we give you 2 months of not paying and we will add those 2 payments on to the end of your lease?" My Amex Loan also said, "why don't we give you 2 months of not paying and we will add it on to the end of your loan?" To both companies I said, "GREAT and THANK YOU!" Additionally my 2 major credit cards (Capital One and Am. Express) waived any and all late fees for 2 months w/o even being asked, they just did it if you lived in a "FEMA Zone." Here is how the Citibank Sears card responded following a Cat 5 hurricane: I had a $32 balance that I paid 3 days after the due date (due to no power and spotty cell phone service following the storm). I called in a few weeks later to pay the $32 in full and asked them to waive the $27 late fee...the answer was NO. I even asked to be escalated to a manager, the answer was still NO. So I paid the $59 in full w/ the rep over the phone and will NEVER use this card again. I will only keep it b/c it is not good for your credit report to cancel cards. I will wait to watch Sears go out of business. I DO NO RECOMMEND ANY CITIBANK PRODUCT...their customer service should be studied in College Business Classes for what NOT to do in business.

myopiniononly

Florida

I paid my credit cad payment on 10-3 online an hour after a deadline i didnt know existed i had tried 3 times during the day to pay but wait was to long i being charged 27.00 for less than an hour past theirself empossed deadline nwhen i nexplained i just returne ti workfor surgerythe spervisor told my i had 28 days rompay very caring imdonewith citi and barclay ans sears and imon the attack to make the world know that 27.00 was important the my bussiness

RobertW16

coppell tx

I have the regular Sears store card which can only be used at Sears and I have the Sears MasterCard which can be used anywhere. I like the Shop Your Way Rewards program that Sears and Kmart offers. I have both these Sears cards linked to one rewards account so I can use either one. Of course, you get extra points if you are purchasing something from Kmart or Sears but with the MasterCard you can also get points wherever you shop. They offer promotions where you get double or triple points. They also give you no interest or a percentage off when making large purchases such as appliances, lawn tractors, exercise equipment, etc. at Sears. You can also rack up quite a bit of rewards when making large purchases in addition to the interest free or percentage off. Customer Service I have never had a problem dealing with customer service. They have always resolved any issues efficiently. Available Rates The Sears MasterCard has a better interest rate than the Sears store card. The particular rate and credit limit you receive will depend on your credit score and history. I recommend paying off the balance every month in full. There is no sense trying to earn extra money with rewards if interest charges are making you go broke.

pennysue6

Undisclosed

This is a great two in one type of credit card. I say that because it is a master card that can be used anywhere master card is accepted and it is also a Sears store card that can get you great deals. We initially got this card to get no interest on some big ticket items that we had to buy and kept it since Sears is always offering discounts and no or low interest on items when you use the card to purchase. You can also earn reward points on your purchases to use for discounts on future purchases. Overall a great card to have if you like getting good deals and also just for an everyday credit card. Customer Service Never had to call customer service on the card but I imagine they are helpful and good at what they do. Available Rates Maybe it is just me but I think the Citi Sears Master card is higher in interest rates than most other available credit cards. We have good credit and no issues and still got a pretty high rate with them, which is why we mainly use it when they offer no or low interest on items.

willowjen

USA

It is a good credit card as it is also a Master Card. It offers great rewards for purchases so the next time you are in you can get a great discount. They have a Sears Advantage account for $24.95 that gives you a discount booklet on all items in the store or extra points on purchases. Although it used to be more valuable, like everything else it isn't as valuable as it used to be. They used to enclose a $5.00 savings card but much to my surprise had an expiry date! Customer Service Customer service is excellent. One time some one used my card fraudulently to book a flight. It couldn't have come at a worse time because I needed the card to book my own trip and this used up most of my available credit. I phoned them and in a matter of minutes they realized this wasn't my charge. So we booked it on my husband's credit card which had a different number. They sent me a new card within 2 weeks and I have heard nothing since. Fantastic service! Available Rates Their interest rates are a little high but all department stores are like that.

chloet1

USA

I got this card when it was time for us to purchase a washer and dryer at Sears. The sales associate was very helpful as we picked out machines and then helped us apply for this card to get 0% financing for 18 months! The application process was simple and I was approved on the spot. It was easy to pay online and I never had to pay a cent of interest! Customer Service When I had trouble accessing my account online one day I called the number on the back of the card and the associate I talked to was very helpful. She helped me unlock my online account and reset my password. She was kind and efficient. I wouldn't hesitate to call the number again if I had another question. Available Rates We got an introductory 0% financing for 18 months when we opened the card and used it to purchase a new washer and dryer. It saved us a lot of money and gave us the flexibility to pay it off before they started charging interest. There was also no annual fee which is another important thing to consider when getting a new credit card.

dlknee

USA

I have had a Sears card for almost 15 years. I have used it to purchase everything from clothes to tires to riding lawn mowers. I recently made a payment to pay off a promotional account balance, and they put it towards another balance on my account. Customer Service My promotional balance was due to expire in March. In February, I sent a payment for this exact amount. They applied it to a different balance on the card. Upon calling customer service to find out why the amount $2200 was applied to the other balance, I was told the other balance had a higher percentage, and that was how the system did it. The customer service representative was rude and told me there was nothing I could do. I asked to speak to a supervisor and she said that there was nothing anyone could do, and did not let me talk to one. Available Rates Because my balance was not paid off on the promotional amount, I will be paying 25.24% interest on this amount until I can pay off the other balance and this balance. I wlll never charge anything on sears again.

BethWaldeckSanders

USA

I cannot tell you how annoyed I am when I am ambushed by every cashier to open a store credit card. Because of the high interest rates I always turn them down. This autumn I was doing some early holiday shopping at Sears and again I was given the presentation about opening up this card. This time, it seemed like there was so many plusses to opening the card I would be foolish not to. After a very brief sign up process I was able to purchase things on the card. I received a very generous discount on my day's purchases. Now, having had the card for a few months I am still glad that I opened this account. I have received so many great coupons to use at Sears and I also get alerts on future sales and discounts. Now the interest rate is higher than my bank's card so I do my best to pay this off each month. However, as Sears is my favorite mall store and the deep discounts I receive, I am planning on keeping this card Customer Service What I love are the options that this card offers for payment: mail-in, online, and in store. While I do receive lots of emails in regards to store discounts and upcoming sales, I am happy to report that I have not received additional spam from outside places from this card. Available Rates Store credit cards are of course higher than most cards. I still found the rate of 16 percent to be competitive in regards to the marketplace

cg816

USA

Worst Card ever. Signed up to save a lousy 5%. Could not set up an on-line account and never received a paper statement. Called about issue setting up online account rep walks me through set up and still not able to log in, sends me a new card and tells that will correct the issue. I had to make two payments in-store while waiting to be able set on-line account to make payments. Received new card, called in to activate and was sent to speak with a rep, which advises me that i am past due, because my last payment amount was not correct. I advised them the issue's i was having and difference was only $5 on the payment. Rep advised could not waive the late charge, she had send it a manager and i would have wait 7-10 days to see if the would even waive the late charge. For a new card holder with remaining balance of less $80 and already paid off $400 in two previous in-store payments, i found this really unacceptable and canceled the card.

cruz99

USA

I opened this account early August 2013, at Sears, when it was offered as an incentive. One month later, yesterday, I received a statement with a $27 late fee. How is it possible that a new account would have a late fee when this is the first statement received? Needless to say, today, I paid the late fee and closed the account! Ridiculous!!!! Customer Service Although polite, they can't seem to resolve any issues, or understand a situation! Available Rates High, for what they offer.

pittmanaa

USA