Sears Credit Card Reviews

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).

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.

My credit card was used twice around the world and I had never swiped it anywhere. This means Sears was hacked or somebody was selling the information. I also later purchased an item online and was double charged. The seller provided me a refund (he saw both transactions) but Sears was still double charging me. I asked for my money back which Sears initially did give me, but they actually took it from the seller (the single transaction left that the seller should have had). So the seller decided to reach out to his company and they get the money back. Now I'm out a couple of hundred because Sears is incompetent. I reached out to them and they sent me a letter ("proof") that it was a rightful charge. Funny thing is they're only disputing that I DID buy something, not that I was double charged. They totally ignored the situation. I was complaining about being double charged, I was not disputing the fact that I bought something or not.

I had the Sears store card for about 6 months. 2000 dollar limit. So with 350 dollars on my card and flawless payment history the idiots dropped my limit to 400.00. Thank you Sears for destroying the credit that I worked so hard to fix... IDIOTS. Plus what happened to the Craftsman quality? I traded my Harbor Freight tool box for a Craftsman. It was made from aluminum foil.

These people are thieves. NEVER get a Sears card. I am on paperless billing. I paid off the card in November 2018. In December 2018 there was a $23 charge. I did not receive a statement in December 2018, January 2019, or February 2019. In March 2019, they sent a statement saying my account was four months overdue, but that's not the worst part. THEY CHARGED ME 1000% interest on that $23. The bill ended up being $230 dollars. Customer service was COMPLETELY unhelpful and lied. I will never do business with this company again.

I have completely given up on Sears bankcard customer service. I called them to complain about unauthorized charges on my card over 2 months ago. At first I gave my report to the unauthorized charges department. I called 2 weeks later to follow-up and was told that I actually had to call the Fraudulent Claims Department. So, I did. I then called 2 weeks later and was told that my claim had been sent to the Presidential Offices. So, I called them to follow-up. They said they would contact me within 2 weeks.

Sears was my longest line of credit. After being with them for over 10 years they closed my card. Never once made a late payment (not even a day). My card wasn’t maxed out. In fact I was paying it off. I specifically called and asked someone if I paid it off in a debt consolidation would my card be closed. The representative guaranteed me that it wouldn’t. She told me that she would leave notes on my account stating that I did not want my account closed. A month later it’s closed. I call in and dispute it saying that the representative promised it wouldn’t be closed (otherwise I would have just excluded that card from the consolidation).

My husband opened a Sears Mastercard around 7 years ago, we were on time with the payments and we even paid it off last year. Due to emergencies, we had to put around $1500 back on it, I was then I was a couple weeks with the payment, not even close to 30 days, one time, mind you, and they lowered his limit from $3,000 to $1800. Since then I have not missed a payment, but yet he got a letter in the mail saying they would not be renewing his credit card, what the heck? He has no delinquencies on his credit, why they made that decision I’ll never know. They are terrible and it doesn’t matter if you are a loyal customer or not, they will screw you over!

The Sears credit card system is literally set up to keep you from paying off balance transfers in time for the promotion to end. I had two balance transfers on my card, and I always pay way more than the minimum. I should have already paid off my first transfer, but then I found out the "system" was misapplying my payments. Only the minimum was going towards the first transfer the rest towards the other. Even calling in cannot solve this because all representatives will tell you is that "the system will not apply anything past the minimum to the first transfer, if you have more than one on the card". It is literally set up to keep customers from paying off the transfers on time, so that they can receive interest money. I did a balance transfer for the entire Sears card and then I closed my account with them. There's a reason this company is bankrupt and I have no pity on them.

Sears had given me misinformation after handling my dispute then closed the case. There was no signature on the charge just a printout. Thank everyone that Sears is going out of business and I am never using my card again after being a loyal customer for 30 years. Rest in peace Sears and good riddance.

Sears Card billed me $97.98 for a product I supposedly purchased from Norton. I never ordered or received anything from Norton. There is nothing in my PC remotely connected to any Norton product. I got in contact with Norton this morning and asked them for a detailed printout of my supposed purchase. They could not find any information with my name or email address of any purchase. I received a letter from Sears Card that they have adjusted the $97.98 but that I must pay them $27.00 for the adjustment. How, in heaven's name, can expect me to pay them for something that never happened. They have now threaten me with sending this incident to the three credit card adjusters. What are my options?

I have a Sears Citi credit card. One of the worst mistakes I ever made. They have poor customer service and lousy credit cards. I tried using my card and they won't allow me to use my card. They decided to place a hold on my account for real reason. My account is current and I still have credit available to use. They just decided to place holds on my account because they felt like. It's the worst card I have ever had with the highest interest rate. They have piss poor supervisors who don't know what the hell their job description entails. Poor customer service and credit cards, don't use them at all.

I saw a Facebook ad back in May 2018 for this New You Challenge company, which turns out to be a third party purveyor of gym memberships and work out programs. They gave me a great song and dance and as far as I'm concerned, embezzled $300 out of me for a program through one of their third party vendors, it was about 3 weeks later when I got to the gym they set me up with and at that gym, the owners wanted me to sign a contract that was so unholy and personally attacking and setting me up for ultimate failure along with my entire life, and everyone including family to be attached to any possible lawsuits, it was heinous! They stand you in line to wait for 30 minutes at the gym, let you read a tiny paragraph or two up on a website on a huge screen in the gym, then you sign in, then later on in the evening you get another copy to sign.

After having this card for 10 years and using it responsibly, we found that Citi reduced our credit limit without notice. Now, we can't even purchase a new refrigerator. Very disrespectful way to treat their clients for being good consumers and paying our account timely and providing them with such a nice interest base to grow their business. We contacted Citi Customer Service with no resolve. They had not interest to correct the error and we will need to resort to alternative means to purchase appliances. You will not be treated as a valued customer. Read the reviews and understand they do not care about their clients.

I was looking for a great appliance set at Sears in 2014. I was approved for a Sears Credit Card. I have great credit and was approved for a whopping $500.00. I’ve never reviewed statements and have changed settings on my account. I’ve called customer service several times, they were extremely rude and didn’t speak but broken English. I had a lady hang up on me twice. I told them I would be cancelling my card and the rep replied, "Great!" They refuse to increase your credit limit even being a year at a $0 balance. You deserve a great card with perks. Do not get this card or give them business. We work hard for our dollars. No reason they should treat people this way. I filed a complaint over a year ago about everything I’m telling you and no reply or email. Nothing. They don’t need our business.

Interest rate is 26%. What is this, 1986? How the hell does a company get away with that rate? I used my card for a 'trial' of a background check service, and nowhere in the form did it indicate a recurring 'membership'. Citi would not refund the $45 I was charged and considered the matter RESOLVED BECAUSE THE SCAMMER SAID IT WAS A LEGITIMATE CHARGE. I closed this account as fast as I could.

Been a Sears credit card holder since 1987. Tried to sign into the website to pay my bill but kept getting "You have successfully signed off" as the response. I called to technical services and they told me to clear my cache and that did not work. Told me to try another platform besides Chrome and that did not work. Then they told me the site would be down for a week. I asked her why she did not tell me that in the beginning instead of trying all these other things. She did not say a word. I then asked to be transferred to Customer Service so I could pay my bill. It asked for my last 4 digits of my account but then stated it could not find my account. When I finally get to a person she stated their automated system is down and that is why it did not recognize my account. So do not get this credit card.

I have had a Sears card since 1979. I pay my bill as soon as I receive it and pay more than the minimum. Until now I have not had any problems. Last month I did not receive a statement. I called customer service prior to the due date to inform them and request a new statement be sent immediately. The representative I spoke told me this would be done. It is a little over a week past the due date and I have not received a new statement. Instead, CITI has put a block on my card. They did even notify me that this would be done. Instead, I found out when a bookstore with which I had placed a pre-order let me know my book had arrived but that payment was not authorized, so the book would not be sent.

I purchased an appliance last year (2017) at Sears and took it home the same day. I made 2 additional purchases during the time I've had the card. They definitely got me too when they said "Hey, apply for a Sears card and get 12 months no interest"... etc. I received TWO bills TOTAL from Sears. Simply set reminders on my phone to call and make a payment! But absolutely nothing on last month's purchase/activity ($161)... No bill. No notification. No late notice. Until another agency called and informed me I owed $100 more than 45 days ago. Additionally, the full amount will be due in 3 weeks. Thank you for your tremendous communication and customer service, Sears. I won't be back. P.S.: It would be lovely if you accepted something other than a check for over the phone one-time payments!

Run as fast from the guy as you can when he offers you 12 months or 24 months free! They suckered me right in, and immediately after my purchase, the interest started. I made several attempts to reason with these people at Sears, NO SUCCESS! They don't want to hear it, they don't care, and they keep transferring you till you hang up. My worst experience ever! Once the card is paid off, they lost a customer for life!! And honestly, I can't wait after what they have put me through!

Stay away. This is a SCAM!! They offer you a 2 yrs "interest free" credit card that is actually only free if you pay the total amount in full before the end of those 2 yrs. If you don't you are charged for the interest of the past 24 months. I got it to pay for an unexpected car failure that costed me $550 at Sears cause was the closest car repair shop around I could drag my car to... And btw they did a HORRIBLE JOB, broke another piece of my car which resulted in my car having to stay an extra day and me missing an important appointment with a client since in Puerto Rico public transportation sucks and does not connect the whole island so there was no way to get there without a car. I asked for at least a discount since it was their fault for breaking my car and the manager was extremely nasty, never again did I go there.