Sears Credit Card Reviews

Do NOT go with this dishonest & greedy company.. I was in good standing with Sears for 25 years. If you are late a few times on your monthly payment they jack up your interest so UNGODLY high that you can't afford the payments thereafter. If you are one day late they will call & harass you.. Bye bye bye! Better send me my letter I'm looking for stating my Sears account is now closed.. Dont trust Sears!

Sears Citi Rewards MC refused to remove a $40 late fee, for paying account 1 day late. Request was made after having gone through a tornado and having unexpected expenses. They are heartless and useless. I've had this account for years.

I have not been able to pay my bill by phone several times. They have put my payment through before but now are saying my zip code is wrong. Well they used that zip code before. Worst customer service when I am trying to pay my bill and my account is in good standing. This is the only card I have trouble with.

My card continues to be declined after paying off the entire balance 5 days ago. I’ve verified with my bank that the payment was taken out of my checking account and have looked on the online portal for the card and it is showing a zero balance! I’ve called twice now and keep on getting told that it takes 24 hours to “clear” and get my account out of declined status. Well, it’s been 5 business days! I called again and the rep told me it will take until Monday! So I will be unable to use my card for the weekend and will have to change all of my automatic payments for subscriptions and bills in order for them to get paid on time. Never using this card again! Also, they really need to invest in customer service reps that are easy to understand! Offshoring customer service for any financial institution should be illegal! Not crazy about the idea that someone in India or the Philippines has my financial data!

Awful customer service. I had an issue with a charge on the card. I had to call seven times to get it straightened out. The website is garbage. I logged in, attempted to do something online, and when I clicked okay I was logged out repeatedly.

Sears is the worst! I have now 2 separate times this company does not send billing in a timely manner then charges you late fees. Very sad that a company lowers itself to these tactics in order to make money. After the 3rd time I had to cancel the card. Don’t need a company like this.

I was Sears supper since 1994. I paid off MY SEARS MASTERCARD because of the high interest rate. I received a letter that if wasn't buying something soon they were going to lower my limit to 2001.00 dollars. Which is ridiculous, they are loan sharks. I'm done with this card due to their treatment of their members.

I have both Sears MC & store card. I recently bought a vacuum thru a 3rd party on the Sears website. It was supposed to be delivered on 10/09/2023. I went to track it & noticed the address was wrong. I could not reach a live person so I used one of their online forms. I called Citibank to dispute charge for a product I never received. Today 10/21/ 2023 I received a letter from them saying my request was denied as it was delivered. Their documentation consisted of a printout from AfterShip.com- a program for businesses that can be manipulated. It had me receiving the product on 1 line April 10,2023. On the Amazon itinerary it had it going out at 9:53AM 10/04/2023 & on my doorstep 9:47AM- 6 minutes before it went out. Then I called Amazon to see if they could track it & found out they don’t deliver if not ordered thru Amazon.

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.

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.

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.

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.

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.

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!!

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.

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.

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.

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.

AccountCare has been charging me without me ever signing up for such services. I have been calling them since 9/11/20 trying to cancel their services. I have received two cancellation confirmation numbers and now there's been charges to my account because it wasn't cancelled correctly the first time and since the account is 'past due,' I have been charged again for late fees. I have called on 9/11, 9/29, 10/6, 10/23 with each person stating that my case would be "escalated" and someone will call me in 24-48 hours. No one ever calls and all I get is the same letter after every time I call stating my request is under review and to allow 30 days. It's been almost two months and I still don't have my refund onto my account and now my credit is most likely going to be impacted by their inability to cancel and refund me in a timely manner.

Although the rates could be better, I haven't suffered there as I pay my bill off every month. With all of the insane scams going on, they have been very quick to respond to my concerns or questions. They have reissued a new card when I reported questionable phone calls or emails to prevent any fraudulent charges and I appreciate that. Re-issued cards have been promptly sent out so there has been minimal inconvenience.

Me and my wife have been making monthly payments, we called them to get it straighten out but they are saying we never paid the payment. Our bank account showed they took the money, so apparently they making excuses by accusing us. Been fighting with them for months and they already destroyed my credit scores. Gonna make reports to BBB against this company. No wonder why this company is failing and desperate for the money to stay afloat. We are no longer will buy anything that comes from the Sears or Kmart.

Complete fraudulent third-party services from Sears. Took my money. Never received product. Sears has been giving me a hard time for two months refusing to give me my money back even after the company never shipped it and they have all the proof they need. Had to go through my fraud department/credit card. So sad. That’s why Sears is Where they are today.

Updated on 07/17/2020: I just found out that my credit rating went down 80 points with this ** card. I found a fraudulent charge on my credit card and reported to them piously early this year. What happened next was completely **. 1) They cancelled my old card. 2) They issued me a new credit. 3) They reported the fraudulent as unpaid and loaded onto the new card. 4) They did nothing to investigate and told me it was legitimate, they could not provide me with the bill, the company info (see 7 why?). 5) I have nowhere to go to fight this (well, the credit card company supposed to fight for you on this).

Absolutely disgusting. I have been the victim of identity theft and fraud by someone I met. I didn't realize all the charges he made until too late... $16000. All my other credit cards were helpful. Savannah & Nicki, In Florida, were absolutely disgusting to deal with. Long story short they blamed me and the criminal gets to walk away with $16000 in purchases.

The Sears store card was my first credit card ever. I got it in 1994 and have had no issuers until recently. I don’t use it but once a year to keep it active. On Oct 23, 2019 charges were charged to my account I didn’t know until Oct 24, 2019 when the fraud department was texting me about a charge I replied with the N for no. Then I got a phone call asking me if I charged over 3,000 grand in California I replied no. They said, "we are closing your account and getting you a new card to a new account." I had no idea that any charges were actually charged to my card. Until I finally was able to get into my online account and saw there were two charges for over 3,500. This was ridiculous. They didn’t catch this until the third attempt in the same sears store.

The apparent change in credit card provider is a complete fail. Every online bill pay customer when logging-in should be rerouted to new site and login/password should remain the same. Instead, it appears their one or two mailings and a email among all the other junk mail we get has gone unnoticed by many. Following their directions also has not worked. Had me thinking I was get either fraud calls or fraud mailings.

I am legal guardian to a cardholder and was attempting to update card information as well as acquire a new card for my client. Customer Service representative was kind to hear both my client and me on the line. In the process we found out that there is a wrong social security number associated with the card and was transferred to 'Consumer Protection' group. The representative in this department said they would only speak with the cardholder after I told them I am the legal guardian trying to help my client resolve the issue they have with her card.

I’ve never had a credit card company not give me my money back for a dispute and most credit card companies give us our money back, no questions asked, period. These people are liars, every time I call them every representative tells me something different about the same situation, they have a new policy everyday, and they will lie, cheat, and do everything in their power to not give you your money back. I've never dealt with a credit card company that we can't speak with the person handling our claim, that works against me instead of help me, or who really does not want to return my money from a dispute. It’s really shady how the investigators hide behind the scenes and scam and lie to not approve our disputes. They ask for one thing and when you send it, they lie and deny your claim saying they didn't receive the information.

I have been a card member since 2016. Never late fee. Now it seems the two attempts I have tried to pay my card have failed. Then I find the number has been changed (without warning). Now it seems I will have my first late payment. I'm Not happy that this company doesn't care enough to make sure I can Make a payment on time! They seem to be trying to collect late fee!

Had 100% payment history with the credit card company! Never late! Always on time! Had bought a complete kitchen set, fridge, stove, dishwasher. Well when they decided to close their stores, I guess they decided to screw the loyal customers that they had. Didn’t send any notification that they were closing my card, no phone call! No email! No correspondence whatsoever! I go to use my card find out that the account number is no longer active so I called the 800-number only to be told oh well we changed your account number you should be getting a new card in the mail within 6 to 8 weeks.