Sears Credit Card

Sears Credit Card

 2.3/5 (493 reviews)

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Overall Rating2.3 out of 5
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About Sears Credit Card

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Page 1 Reviews 0 - 10
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Verified Reviewer
Original review: April 22, 2023

My Sears Mastercard was misplaced, and they won't replace the card. I pay Citibank monthly, but they ignore My requests for a replacement card. 7 years ago, there was a Sears, and a K-Mart in my area; now, both are gone. The merchandise in both stores, was the worst they could buy, so I was not a frequent shopper. Now that the card is lost, Citi's awful customer service will not send a replacement. I've even written to Sears about this, only to no avail. What am I missing? Nothing.

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Verified Reviewer
Original review: Jan. 12, 2023

My husband's wallet was stolen in Oct 2022. We called all creditors immediately upon learning it was stolen and in the process learned that the thief had been 'shopping' with several cards. Sears, which is managed by Citigroup, was the only creditor that was a problem. A month after calling we received a statement showing the fraudulent charge. I advised my husband to call Sears again to confirm the fraud had been taken care of. Apparently, the original call did not result in the fraudulent charge being removed.

After speaking with a few different associates we were assured the charge would be removed. It was but our next statement showed a small balance. Keep in mind that when the fraud occurred the account had a zero balance and once the fraudulent charge was removed the account should have again had a zero balance. We were being charged minimum interest for a charge we didn't make and being charged for account protection (which we signed up for when account was opened and should only be charged to the account when there is a balance).

Since the charge was fraudulent there should not have been any interest nor should the account protection fee been charged to the account since it was all based on a fraudulent charge. More phone calls to Sears and being routed to so many different associates and departments, none of which wanted to take responsibility to fix the issue or did not have the authority to remove ALL charges.

We finally gave up and told the last associate we spoke with that if she couldn't remove the charges that should be there we wanted to close the account. She hung up on us...very unprofessional. Very disappointing as we've had Sears accounts for more than 40 years. But, after this fiasco, we're done. We opted to pay the balance (less than $8) and move on. We got confirmation our account was closed but if we get another statement showing a balance we'll be going toe-to-toe with Sears again. If anyone out there has fraud on their Sears account I hope you have better service and quicker resolution than we did.

4 people found this review helpful

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    Verified Reviewer
    Original review: Jan. 11, 2023

    I have had a Sears card for many years since I did a lot of shopping at the sears store that is now closed in my city. I lost my card and it was very difficult to get a real live person online to cancel it. All my other credit cards have the option where you can lock the card in the event of a loss or stolen card. I am done with sears card.

    5 people found this review helpful
    Verified Reviewer
    Original review: Jan. 7, 2023

    After many years, I pulled the plug on the Sears/Citi Master Card. They lowered my credit limit. I was never late, never used more than five percent of my credit limit. Customer Service is good for nothing.

    5 people found this review helpful
    Verified Reviewer
    Original review: Dec. 22, 2022

    I have been trying to have a problem with my Sears Credit Card (Citibank) account page fixed for weeks. I think the customer support has been outsourced to somewhere that doesn't understand English well. I have explained the problem numerous times and any reply I receive never mentions the problem I described. They always talk about something else. Apparently they are not able or willing to make any modifications to my account. When I asked to have my issue escalated to someone who has the authority to make the changes, they refused to assist me further. Perhaps it's a good thing I can't use my account, the level of incompetence Citibank is allowing in the customer service department is likely a symptom of the incompetence in the whole company.

    8 people found this review helpful
    Verified Reviewer
    Original review: June 19, 2022

    I gave them one star due to their horrible customer service, both online through messaging and on the phone via the number on the back. I created a new email account as my old one was full of spam and I want to delete it. I have changed that email over and over, sent complaints over and over only to be told to contact tech support via the number on the card. Tech support says it's fixed, but it never is. I reply to messages sent to the wrong email yelling and cussing in capital letters to stop using that email!!! This has gone on for months. I think my only option now is to cancel my online account, then start a new one, just like I had to do a few years ago. What a bunch of inept morons!!

    7 people found this review helpful
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    Verified Reviewer
    Original review: July 2, 2021

    I have an LG washer and dryer which I bought at Sears a few years ago. My warranty was about to end and I received a phone call from Sears with the offer to buy a new protection agreement. First of all, I didn't want to buy it, but the representative said that they offer 12 months interest free if I use my Sears credit card. I agreed, $70 a month is not as bad as $726 in one payment. I received my first bill, paid $100, 1 month later I received the second bill with the interest charge. More than 3 hours later, I'm still on the phone with Sears, I've been transferred 5 times already from one department to another with no help.

    The only solution I see right now, is to cancel my agreement. After finally speaking to their employees, I was told that they do not offer interest free payments and their representative misinformed me!! I call it a False advertisement in order to sell their services. Be cautious, when you buy something from Sears so that you don't spend hours with them on the phone without any help.

    10 people found this review helpful
    Verified Reviewer
    Original review: Feb. 16, 2021

    I have a 10+ year history with my Sears Citi card with zero late payments, and a great credit score. I reached out to customer support to try and negotiate a better interest rate based on my history and stellar credit. Not only were they completely unwilling to lower my rate, but they proceeded to cancel my card without letting me know. The person I talked with on the phone was very hard to understand, but I never asked to have my account closed as they allege. That's the real kicker, that they claim I asked to have my account closed, and when I tell them I didn't, they still won't reinstate it. I don't need their kind of business at all, so I paid off my outstanding balance. What kind of company cancels the account of a reliable no risk customer? There must be serious mismanagement going on inside that company. The whole experience was surreal. The off shoring of customer support is also doing them no favors. They will not get my business again.

    28 people found this review helpful
    Verified Reviewer
    Original review: Feb. 4, 2021

    They charge a late fee for no balance and then tell you they will waive it but are so late doing it that another late fee is incurred. These people are crooked and should be in jail. It does no good to contact them because they lie.

    23 people found this review helpful
    Verified Reviewer
    Original review: Dec. 6, 2020

    I used this card only for a re-occurring $35 monthly charge. I was continually charged late fees of $28.00 and a minimum interest charge of of $2.00, even though it was paid EVERY month. (Making each $35 monthly charge now $65 - although statement said my balance was 99.98.) Had to waste time calling WORST customer service almost every month to try and get it all straightened out! So called Thankyou points are a joke - my monthly statements say I earned 35 points for each billing cycle - Customer service say I have "0" after having card for well over a year.

    I just called and cancelled card - it took me almost 1 hour to finally get it done (after being hung up on, cut off, and customer service trying to put me on monthly automated monthly withdrawal from my checking account as I complained about problems!) BTW - I have other credit cards and have never had problems with them - My credit rating is very good - I hope Citi Bank needs all the additional funds they have collected - they are crooks - they will nickel and dime you to death! I need this all on record to ensure the card has really been cancelled - I DO NOT TRUST THIS COMPANY.

    19 people found this review helpful
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