The application process for the Sears Credit Card is extremely convenient but before applying for the Sears Credit Card; there are certain details that you need to be aware of beforehand.
1. Why Sears Credit Card?
The Sears Credit Card provide its users with exciting offers that can be utilized at Sears and the affiliated stores by carrying out big purchases such as washing machines, dryers, and other heavy duty appliances.
1.1 How Sears Credit Card Works?
The working of the Sears Credit Card is not any different from the regular credit cards.
The consumer shops and purchases the desired products but instead of paying for the products in cash, the individuals can pay for the purchased products through the Sears Credit Card.
The Annual Percentage Rate for all the purchases is 25.49%, and the Annual Percentage Rate for the cash advances is 27.40%.
Details of Sears Credit Card
|Rewards|| Cardholders will receive specialty coupons each month, invitations to cardmember sales and advanced notice of Sears sales events.
Specific benefits are laid out here: https://cardreviews.org/wp-content/uploads/specific-benefits.pdf
|Telephone|| Customer Support – Technical Support:
PO Box 183081 Columbus, OH 43218-3081
PO Box 6283 Sioux Falls, SD 57117
PO Box 6275 Sioux Falls, SD 57117
|Cardmember Agreement||Terms of Sears Credit card|
|Cash Advance APR||27.15% APR|
|Cash Advance Fee||$5 or 5%, whichever is greater|
|Late Payment Fee||Up to $35|
|Purchases APR||25.24% APR|
1.2 The Benefits and Limitation of Sears Credit Card
The Sears Credit Card is extremely beneficial for people and contractors who are looking to make big purchases at the Sears and the related stores. But these aren’t the only benefits that cardholders would obtain by possessing a Sears Credit Card.
The major benefits that the Sears Credit Card holders can enjoy are;
- The Sears Credit Card holders receive the 6-month interest-deferred finance offer. It means that the individuals can pay the price of the appliances whenever they like in the six months period without having to pay any interest rate for this entire duration.
- The individuals can enjoy special financing offers and monthly savings.
- The card holders can extend their warranties on the products. What this means is that the extended warranty can double up the original warranty on any appliances for up to 12 months.
- The account holders will always be notified of any upcoming sales events.
- The Sears Credit Cards can only be used at the Sears stores, its affiliated stores and nowhere else.
- The Sears Credit Card has a specified credit limit per card that can be increased or decreased at any time only by the store.
2. How to Apply for Sears Credit Card?
The application process for obtaining the Sears Credit Card is extremely easy. Before you begin the process, your age should be 18 or above. Also, make sure to provide the system with a working social security number and a genuine photo ID number.
2.1 The Application Process
Click here To apply for the Sears Credit Card, you have to fill out your;
4 Steps for Apply Sears Credit card
After the blank spaces are filled with relevant information, the application page will take you to a verification page. Once you get there, you will have to verify the provided information.
2.2 The Activation Process
Once all the information is verified, you can move along to the process of your Sears Credit Card activation. For the activation, you will be required to have;
- Primary card member’s date of birth.
- Last four digits of Social Security Number.
In case, you lack the access to the primary card member’s Social Security Number; then you would need to provide the billing address and the zip code of the primary card member.
Once everything is cleared, you will be asked to enter the credit card number without any spaces and dashes to activate your card.
3. How to Login With Sears Credit Card?
3.1 How to Login ?
To complete the process of login into CitiBank with the help of Sears Credit Card, you would need to have a working user’s ID. For registering yourself, you would be asked to provide and verify the following information.then click here to Index page.
- Card number
- Name (as it appears on the card)
- Security code.
- Last four digits of the Social Security Number.
3.2 What to do if You lost Your Sears Credit Card or forgot Your User’s ID?
In the unfortunate event of losing your Sears Credit Card or forgetting your user’s ID along with the password, there is no need to worry because it can be retrieved without much trouble.
In the case of forgetting the user’s id and the password, you will be asked to provide CitiBank with the following information;
Click here to Retrieve Service Page
- Card number
- Name (as it appears on the card)
- Security code
- Last four digits of the Social Security Number
And, in the case of losing your Sears Credit Card or if your Sears Credit Card gets stolen, then immediately contact us at 1-800-815-7701 .
4. Most Popular FAQs
FAQs section accumulates and gathers all those questions that have been posed by the users on more than one occasion.
Here in this section, the people would find all the basic, general and important information regarding the usage of the Sears Credit Card, making payments, general information, security & accessibility, information regarding new cards and the benefits of having online accounts.
5. How to Cancel Sears Credit Card?
If you want to quit the usage of Sears Credit Card, then canceling it is as easy as its activation. Before initiating the process of cancellation, you have to make sure that your cancellation process will not hurt your credit score.
For the cancellation process, follow this step by step procedure;
- Make sure that you have paid off the card in full.
- Inquire customer service about the current balance and make sure that it stands at zero.
- After that, cancel the account and Sears Credit Card on the phone.
- Follow up this process by writing a cancellation letter as well and ask for a written confirmation in return.
- Check your credit report to make sure that your account is closed.
6. Sears Credit Card Reviews
According to the people who have been using Sears Credit Card, most of them had a rather undesirable experience with the services that comes with this card.
A lot of people have complained that they are being charged for late dues on late dues and those late dues are considerably larger than the actual amount. Many people are angry at the fact that their complaints always fall on deaf ears and that the Sears Credit Card’s customer services don’t do anything to be of help.
Others have complained that they have been charging the unexpected customers with hidden fees and massive interest rate.