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.

The customer service is in the philippines and it is next to impossible to get a human being on the phone. I had to make 8 phone calls. Because I kept getting disconnected trying to get to a human. After reaching a person, she had to transfer me. 30 minutes later, I get a complete moron. He asked me multiple times over and over if I had possession of my credit card and if I made this purchase or gave somebody permission to make this purchase. I answered no over and over again. And he kept asking me the same question. Inept and rude service.

For the last 3 years I have had trouble getting my earned bonuses. Customer service includes chat, Ai, phone calls all say that thank you has the records. Ty says Sears tells them how many points. I have emailed them.. Posted on their website, sent the posts to the emails. My records show over 30000 missing points. Oh, I had I negative balance for 2 months and was charged interest on it. It took several weeks to remedy it. Oh.. Customer service keeps transferring calls until disconnected. The customer email site says you must call,, they have no records, I am quickly using up my points,,, tired of being cheated on my bonuses, I really laugh when I get the constant mailings to invest with Citibank!

I have been a Sears card holder for decades. Recently I was charged for services that were not rendered. I disputed the charge and after following up with customer service on status, I was told that everything was still being investigated. Then, after no communication from Sears MasterCard, I was notified that I had failed to respond to a request for information and I am now responsible for the charge. My call was logged and recorded, should anyone have checked. Instead, it was just easier to charge me and close the case. Keep in mind, nothing was done and I was charged in error. I paid the amount to protect my credit score and to keep from paying legal fees that would exceed the disputed amount, but I am finished with Sears in all manners and capacities. The card is closed and a once great company is dead.

Just jacked the rate up to 34+%. Ridiculous. I have been a customer for years and have a high credit score. Nothing more than greed on their part. Shop around for better rates and avoid their card like the plague.

Been with Sears Mastercard since 1994, they are the worst credit card I have ever had. I am thinking about canceling my credit card, even though it will hurt my credit score because they kept raising my credit limit until it got to 15k. I had to call them and tell them to stop. They have horrible customer service and constantly make errors. Interest rate is high, doesn't seem to matter if your credit score is in the 800s. They randomly shut off your card after sending a replacement card, that you never receive. Their rewards website will not let you redeem rewards, it's been down for months. Calls in do not help resolve any issues. stay away from them.