Sears Credit Card Reviews

Sears Citi Bank ThankYou MasterCard Sucks!! Trying to update my profile and they try to send a text or a call to verify you, but that's the reason I'm trying to update my profile. I no longer have the telephone number on the profile they are trying to call or text for verification. Called in and they can't find my Social on the account and I don't have the card in my hand right now so they can't or won't help. I have all the other information including their own membership number but that's not good enough. When I call back I will close the account since they were way too helpful to update the telephone number. Now they can delete all the information since they suck at what they do and don't care about helping a current customer. So they will no longer have us as a current customer!!

I wish I could give this card a 0 rating. Just got slapped with a 33% interest rate.. I’m never late, I pay my bill on time. I can’t wait to cut this card up. This company is a thief. Taking advantage of hardworking people. They can go to hell. Horrible, horrible, horrible.

I have a 750 credit rating and am trying to take advantage of a 0% balance transfer offer. Citi does not recognize my bank. I went through their process to correct that, and it was useless. I contacted support. All they said was try again. I did with the same result.

I have good credit, pay my bill early each month, and yet I just got a letter stating my interest rate will now over 33%. At this point it feels like Sears/Citi is just trying to steal money from hardworking citizens in order to increase their bonuses.

I only owed about $300 but since I didn’t realized my promotional period was coming to an end I got slapped with tons of interests from $300. Years later I still owe $1,099. This card has been getting paid for years without me realizing. Never doing business with Sears.

I have call around 3-4 times, no one in the customer service department could understand the issue regarding the minimum payment due. I spoke to 3 different persons and none of them seem to understand the account. All of them gave me a different minimal payment due and their answers were repetitive, incorrect and make no sense, like reading a script. They do not care about the customer and how they can help. They are just worried to make sure they read their scripts correctly.

I’ve had this card for years. Since it switched to Citi, my online account won’t work. I can’t make a payment, sign up for autopay, email them anything. Every month I have to call to make a payment and though my debit card is saved, I still have to put all the info again. 5/25 I made a payment via phone (due 5/26). The next morning, I had a late fee, no message sent, no confirmation email (they never send confirmation if you pay by phone). I call today 5/30 talking yet again about the issues I’m having and they will not reverse the late fee, told me I can make my payment or sign up for auto pay (don’t want auto pay if I can’t end it myself, seems sketchy). I’m completely done. It’s a hassle to pay them, why bother.

They deserve 0 stars. Did NOT use my credit card for 3 years and magically a $35 charge was made. I did not use the card, so though it was a scammer. I tried to fight the charges but got nowhere. I paid the $90 (late fees) and canceled my card that day. I had never had a missed or late payment in the 14 years I had the card. Little did I know this charge is now on my credit report. Awful company. Would not trust them with their credit card.

I really really can't stand the 33% interest rate on the credit card. It's waaay too high, I will not recommend Sears mastercard to my friends and family. I wish the interest rate would go back to the way it was before or lower, this is ridiculous. I'm about to go look somewhere else for a credit card that has a lower APR RATE!!

My bank sends an electronic check to pay my Sears Citibank bill every month. Even though I have the cashed check, stamped on the back by citibank, showing I paid for the month of november, they never credited the amount to my account. It has taken me multiple calls, waiting on hold and talking to people that have no idea what they're doing to finally get a fax number to send a copy of the cashed check in. The issue is still not resolved but hoping I can get it done within the next thirty days. In the meantime, even though I opened a dispute, they charged me a late fee and lowered my credit limit as well as reporting to Consumer credit. Terrible place. I can't wait to cut up my credit card and send it to them to put it where the sun doesn't shine.