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Sears Credit Cards - Page 3

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36 reviews & complaints.
Dear Valued Customers: My name is Brian and I work for the Sears Cares Executive Escalations team. We want you know we are here for assistance. If you have any questions, concerns, or current problems you are experiencing with Sears please contact my office. We can be reached via email at smadvisor@searshc.com. In your email please include your name, phone number and an outline of your current issue and we will contact you directly. We appreciate your business and we look forward to hearing from you soon.

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Phone Purchase with Credit Card
Posted by on
MUNCY, PENNSYLVANIA -- I live in Williston, Fl my son lives in Watsontown,Pa. On June 24 he called asking if I could order a hot water heater for him on my credit card and he would pay me back.His went poof a few days earlier. You know how it is when they are just starting out. He had researched and found one at his local Sears. Not a problem since we had called the same store on May 17 and purchased him a garage door opener for his birthday.

When it came down to putting it on my credit card I was told that they will only take Sears card over the phone. I explained that I had just made a purchase a month ago with no problem and that I do not have a Sears card. The salesman said I have another customer and hung up. I called back and talked to a manager who told me the same thing. Neither person offered me a Sears card either.

I ended up purchasing the hot water heater from Lowe's They had no problem taking my other credit card even though I do have a Lowe's card. Many years ago I DID have a Sears card but in the early 90's I had a very bad experience with their service department and appliance manager and swore never to purchase from Sears again. The garage door opener was from my husband. But this experience just reminder me of why I stopped dealing with Sears.

Sad, cause I furnished 6 homes with Sears appliances and purchased my son's clothes there and usually birthday, anniversary, wedding.etc.etc. gifts there.
     
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Anonymous on 2008-06-27:
Your old Sears card may still be active. That might be why they refused to accept another card. Check your credit reports. If it is still active then cancel it. I did that years ago and even though I hadn't used it in ages there was a $175 credit for a merchandise return. Of course I hadn't returned anything. I canceled and they sent me a check.
Dovie on 2008-06-27:
PassingBy, Thank you, good advise however I have checked and that is not the case sorry I didn't think to mention that in my comment.
Thanks Again
Anonymous on 2008-06-27:
Sears doesn't really have their own credit card anymore. A couple of years ago they all became either MasterCards or VISA issued by a bank. I closed out my account at that time, so I don't remember which it was, but the old traditional Sears charge card is history.
Tc1073 on 2008-06-27:
As a general rule, Sears will only take a form of Sears Charge card for phone orders. They could not offer to open a Charge account over the phone because there is a application that must be signed in person and the customer must enter a SSN. The only other way I know to pay without a Sears charge would be an On-line order delivered to the store of your choice.
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Sears is a mess
Posted by on
RALEIGH, NORTH CAROLINA -- Against my better judgment, I recently purchased a range and dishwasher from Sears for a rental house I have. I had some bad experiences with Sears in the past, but they had the best prices on the appliances I needed, so I thought I would give them another shot.

Big Mistake.

They told me they would call me the night before the scheduled delivery to confirm the delivery time. By 9pm the night before I had not heard from them, so I called. I was told that my order was still processing and was not actually on their delivery schedule for the next day. I explained that I had a confirmation email from them giving me the delivery date, but they could not tell me why the order was not scheduled properly or when it would be delivered.

I told them I wanted to cancel the entire order because I needed the appliances and could not wait for an indefinite date. The lady I spoke with told me she had cancelled the order. I asked her for a confirmation number for the cancellation, and she told me their system does not provide them, but she gave me her name and location.

I noticed a few days later that the charge was still on my credit card, so I called back and was told that the order was still processing in the system. I explained to the Sears rep that I had cancelled the order. He did not show that in the system, but told me he would cancel it and the credit should appear on my credit card within 3-5 business days.

After another 10 days, I noticed the charge was still on my card. Before I called Sears back, I contacted my credit card to open a dispute so at least I would not have to pay the charge. I then called Sears back and was told by yet another rep that the order was still in the system as processing and had never been cancelled. I explained to her that two previous people told me they had cancelled the order, and she asked me for the confirmation number. When I told her that they said the Sears system did not issue confirmation numbers, she said that was wrong.

She then cancelled the order again and gave me a cancellation number. She again told me the charge would come off my card in 3-5 days.

We will see if that happens since that last phone call took place last night. It is simply unacceptable the number of calls and amount of time it took for Sears handle this properly. I have learned my lesson this time, no more Sears for me!
     
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Anonymous on 2007-10-04:
I agree. Sears is a mess.
Good luck.
<;O)
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Getting Credit Ruined By Sears!!!
Posted by on
MARTINSVILLE, INDIANA -- I paid off my Sears Credit Card at Kmart on July 13, 2006 (which you can do now - but I don't recommend it). It was a balance of $40, which I paid 9 days early of the due date with cash. The receipt, as I have discovered after all this, shows a different account number than the last 4 digits of my account. I thought it was done and finished and the balance should have been $0.
The following month, I received a statement saying that I had not only not paid my balance, but that now I had a $15.00 late fee added on. At this point, we just laughed and thought it was a mistake, but called the customer service number to straighten it out. I spoke with Valerie, a Supervisor, who explained that I would have to make a copy of the receipt and statement, write a letter, and send it off to Sears Payment Disputes in South Dakota.
I did that, and the letter was sent Auguest 4, 2006, requesting that matter be cleared up and our credit restored, and our credit history returned to normal - in writing.
August 15, 2006, I received a letter from Citi stating that I owed $40.00 and requesting that I pay $27.00 of that total. They also raised the rate on the card. Of course that wasn't going to happen and it was like adding insult to injury. I called again, and again, and again, and after many, many people and phone calls, they finally told me that my account was the subject of an internal investigation that would end on September 25, 2006.
I received another letter today, September 22, 2006, stating that I now owe $55.00 plus a late payment of $15.00. I called again today, and after 5 people, they finally told us that there was, in fact, no internal investigation, and that we would need to go back to Kmart and get a copy of their register receipts (hello? I already sent a copy of the original receipt). We did, and Kmart says that we need to go to a Sears store and clear it up. (yeah, right)
Basically, they blame each other for the mistake, but not one of them will fix it.
I'm at the end of my rope on this one. I am in the process of opening a business, but this thing is adding a serious blemish to my record. Not to mention the fact that my head is about to explode with fury at the runaround.
I need help bad!!!!
This matter will NOT resolve itself, and I am just getting deeper and deeper into the BS pile.
I am through trying to talk to either one of these companies. All I get is lies and blame throwing - no help whatsoever.
What can I do??? Please help me!!!
     
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Anonymous on 2006-09-22:
First of all, you should send a registered letter, return-receipt requested, and dispute the bill. Send a copy of the receipt. Legally, they have to take some action.

If they deny your claim, inquire as to the location of the owner of the account that got the credit. Since there are millions of account numbers, the odds are infintessimal that it could be someone else in your area. If it is, it indicates malfeasance on the part of the store who took the payment and misdirected it to her, or a friend's account.

This was an interesting post. Good luck.

parke on 2006-10-07:
I work for CitiCards managing the Sears credit portfolio. Yours is not an uncommon scenario. Please contact the Attorney General, Office of Consumer Affairs in your state and file a complaint immediately. The phone number is in the blue pages in the center of your phonebook. If you live in a large city, you may have a local office, but usually there is a toll-free number. Problems like the one you are having happen because a) CitiCards is not customer-oriented; b) CitiCards is too big for its own good; c) CitiCards' primary concern is finding ways to "generate revenue," and d) believes itself beyond reproach. Fight back.
angeliquek22 on 2007-08-21:
one of two things happened. one, you had a MasterCard acct which has residual interest which is explained in the terms and conditions you signed. or two, you didn't pay the FULL amount BY 5:00pm in a "full service" Sears store on the due date
crazykeys on 2007-11-30:
I've heard tales of people in several states who were pressured to apply for the Gold MasterCard at point-of-sale, subjected to a very public application process, approved for maybe $3000-4000, given cards verifying the amount, then told when they tried to use the card that there had been a computer glitch and their credit line had to be reduced. Applicants are put in a position of being vulnerable to identity theft, made promises, then given the shaft. Yeah, that's good business practice.
Mary Wilson on 2013-02-25:
I keep trying to pay mc SearsCiti MasterCard a/c
on line I might succeed on getting on one time in
twenty, I am overseas and this is fustrating, I am going to cancell my card as soon as I get back to states and pay any due balance.
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Insane APR!
Posted by on
LAFAYETTE, INDIANA -- I will Shout it from every mountain top I can climb. Never will I shop at Sears again or use a Sears credit card. And neither should you!

I have been a card holder since 1984, in fact I used to be proud of the fact that my Sears card was the first credit card I was ever issued.

I changed over to their new MasterCard and all was well until I had ONE late payment, it was definitely my fault, we moved and the bill was forwarded late. I should have changed the address directly with them. But. .

Wow, was I shocked to find my APR went up to a RIDICULOUS 31.99%!!! That's insane!

I called customer service but they refuse to lower it. I called and wrote to them a number of times and still my APR is 32%.

This is blue collar robbery. I will advertise to everyone I know how bad this is and never ever shop in Sears again. Word of mouth advertising is very powerful. Big business seems to forget this when they get too big and start ripping off the little guy.


     
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lobo65 on 2006-07-30:
I think you will be hard pressed to find a credit card company right now that doesn't raise your APR if you are late on another card. Seems to be a common practice--especially for the bigger companies. Better to get a card with a credit union if possible. The rates are always better.
Hugh_Jorgen on 2006-07-30:
I think you will find that what you have is a Sears-branded MasterCard issued by someone else. I doubt Sears has much pull over them. You might see about going back to a regular Sears card (assuming they still exist).
Technician on 2006-07-30:
I agree about the rate being too high, is the Sears card your only credit card? Switch balance to another card , end of story. If you have no other credit card, take out a consumer loan, it should be easy to find a loan with an interest rate below 32%.
Anonymous on 2006-07-30:
I think Hugh's about right and if not mistaken the Sears mc is issued by citigroup. BUT I think the consumer just sees SEARS and 30% and thinks not going to shop at Sears anymore. You'd think with all the trouble Sears has getting people in the doors they'd be a little more sensitive about the plastic with their name on it. Right or wrong, its a sure fire way to lose customers.
CrazyRedHead on 2006-07-31:
This is why I will not have a Sears card. Not because of being late but because there APR is already high. I don't like department store CC. I have one from Household and I have never been late. I like it cause it is there for an emergency.
lobo65 on 2006-07-31:
The only time I use a dept. store card is when there is a "same as cash" grace period that benefits me.
maryco on 2006-07-31:
Thanks everyone for the advice. When I last used my ordinary Sears card, they said they were changing over to the MasterCard system and the old Sears cc was phasing out. At least that's the way I understood the customer service girl when I signed up at the check out counter. She said the MC would replace to old Sears card. "Better interest rate" she said. Sears and MC should have a method to allow 1 late payment, or they can look at a persons past record before zapping us with ridiculas interest rates. I was never late on this account before, most of the time I paid it in full, or within a few months for larger purchaces. I tried to explain that on the phone to the service rep, but he still told me they wouldn't lower my rate. I've cancelled this Account Now and like I said I will never shop at Sears and I am telling everyone I know as well. I used to be a faithful customer, but no longer. Thanks again.
thecititruth on 2006-09-26:
No bank (including citi) will raise an apr to default just for a single late payment. There are other factors to consider, when you are late on a payment an issuing bank usually will check your credit report and reevaluate your risk. If since you have opened their card you have had negative credit information and they believe the risk is too high they will raise your rate to the default rate until you can prove to them you can manage your credit.
maryco on 2006-09-26:
Dear Mr 'Truth', I have good credit all around. I AM being screwed for one late payment. You work for citibank? So you feel the need to justify this? My credit number is 703. Not great, but not bad either. There is nothing negative in my credit report, except this. I checked. That's why I'm loudly complaining. Even if I had a blemish on my account, you justify 32% interest because of risk? How about I may not be able to pay the card off in a reasonable amount of time now that I have this enormous interest rate? You've foolishly created the risk. Citibank/Sears refuses to budge so you can suck more money out of the so-called little guy. That's the bottom line. 32% interest? THIRTY TWO PERCENT! Come on! Where's the tea so I can throw it overboard.
octopuschick on 2006-12-14:
excuse me yes on the Sears cards some terms state that if you are late with one pyt you go to performance pricing of usually 32% apr. Most of them it's twice in 6 months that your apr is raised. The Sears cards are still around and you can open just a Sears without the Mastercard
beaves35 on 2007-07-23:
The exact same thing happened to me with the same consequences for Sears. I am leaving, never shopping there again and will bad mouth them every chance I get.
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Stabbed in the Back
Posted by on
PALM DESERT, CALIFORNIA -- I was a long time Sears customer, since the 70's.
Seven years ago I declared bankruptcy. I had no balance due on my Sears card and Sears was not involved in the bankruptcy.
Shortly afterward I started maintaining a balance and made all payments on time. Two years ago when Citibank took over the credit department, they looked at my credit reports and saw the bankruptcy. Even though Sears was not involved in that action whatsoever, CitiBank decided to punish me and raised my interest rate, should I use the card any further. A call to a credit supervisor did no good. No apologies, even talking down to me. I asked that I not be sent any of their crappy advertising. Even that has been ignored. I have not done any business with Sears or CitiBank since, nor do I intend to any time in the future.
     
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bill on 2005-08-11:
You are complaining that you were punished for filing bancruptcy. Did you think you were going to be rewarded for it?
you r stupid on 2005-08-12:
First off your luck they even let you have a credit card after that even if Sears card wasn't part of the suit. Second they should raise your rate you are a risk and should pay higher costs Helll if it were my credit card company I would start making you pay to have the card.
Slimjim on 2005-08-12:
YRS said it best. You really are lucky to still have that account at all. Many lenders will pull a credit line faster than you can shake a stick if they see you just filed bankruptcy.
Anonymous on 2005-08-12:
Yeah, what everyone else here said.
Wiz on 2005-12-02:
to 50's freak RE: Post 8/11/05....
I have not ever file bankR, Have GOOD CREDIT but... I changed my address from TN to CA then WHAM I got the same letter you did and offer, I told them to stick it, it must be due to some law CA has to protect you from credit wolfs.
I told them fixed apr and they have not stuck with the deal as it is going up.
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Credit card hikes
Posted by on
After being a loyal Sears customer for 20 plus years they said they sent an cc opt out form to me to close my mc account. I never got it then my mc rate jumped to 29.9 %. I would have been better off shopping at a pawn shop. I think there rates are probably better and their parent company most likely didn't receive billions in ball out $$.

To hell with Sears. Iwill never shop there again. EVER!
     
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Fufu487 on 2009-08-04:
JP Morgan and Chase issue out the Sears Card, Sears as a company accepts the card and issues the points towards the card. JP Morgan and Chase handle the interest rates, billing, balance protection plans, and all the financing behind the card. Sears has no say over what the interest on yoru card is. And unfortunately, Chase has been increasing interest rates on a lot of their cc's.
DebtorBasher on 2009-08-04:
If it has any...and I say ANY connection with Chase....RUN...RUN...away as fast as you can and never look back!

Sears refused me credit at one time because they didn't feel I had 'enough' credit history...then the day I started working in their credit department they automatically give us credit cards. I used it, but the rates were so high, my bill wasn't going down but a few dollars at a time when I was making more than the minimum payments. I transferred the balance and closed them.
DebtorBasher on 2009-08-04:
When I started working at Sears Credit, we were told they had settled a huge lawsuit for raising people's rates without notifying them first. From what I understood, Sears had to wipe out the balance on all of those accounts, no matter how large the balances were. So, you might want to check into this, if you didn't get a notice.
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They closed my account for no reason
Posted by on
I have had my card since 2003. I received a letter in May 2009 that they had closed my account. I have never been late on this account and did not owe anything on it. I checked my credit report and nothing everything paid on time. I can not find out why. I think it is so SORRY of them to close my account without my knowledge and for no reason, It's stupid I never was late and was paid off.
     
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PepperElf on 2009-06-22:
that might have been why they closed it.

what people don't realize is that credit card companies will close an account out if you aren't using it and if you maintain no balance.
Apple Mac on 2009-06-22:
Sears sold their credit card operations to Citi Bank a few years ago. For some unknown reason, Citi still has Sears name on the Master Cards they issue.
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No Interest Shopping !!!
Posted by on
LITTLE ROCK, ARKANSAS -- Sears SUCKS. If you do not pay off a no interest charge within the year they charge you the FULL AMOUNT of one years interest on your purchase.

I hope SEARS folds Like WARDS, Speigels etc...

BEWARE OF INTEREST FREE SCAM !!!!
     
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Anonymous on 2009-02-04:
um...that's the deal you signed for. Did you think that if you did not pay it off as agreed that they wouldn't charge you? This is the way just about all the '1-year, no interest' plans work. Read before signing!
Anonymous on 2009-02-04:
Can't add more, Ken. (Only) BA.
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SEARS & CITIBANK APR SCAM
Posted by on
I was promised a 1.99% APR for one year if I transferred a balance but SEARS -- CITIBANK jacked it up to over 28% in just a couple of months. I am very angry right now!!! Why would I transfer from a lower APR for 28% APR. They are stealing my money and wasting my time!!!

Don't be fooled. . .

I have disputed it. I will keep you posted on their response. . . let's see if they make things right!!!!!!

Sincerely
FaithandJustice
     
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Slimjim on 2008-10-21:
Were you late on a payment? That usually kicks in the default rate toot-sweet.
DebtorBasher on 2008-10-21:
One thing you should check for is this:
Check your statement and see what the APR is for the "Transferred Amount"...that may still be at the 1.99%.

Then check and see what the APR is for "Purchases" THAT may be at the 28%.

Because they only promised the lower rate for "Transferred balances" NOT on new purchases placed on the card.

This is how they make their money with these offers. The only way these offers help the consumer, is by transferring the balance and add NOTHING at all to it, and make sure it's paid off within that time...

If you have the Transferred amount AND a purchase amount on your card, they are going to apply your payments to the balance transfer first, until its paid off, keeping the purchase with the 28% on your account as long as they can to continue adding the higher APR on your account. You'll notice the balance of your purchase doesn't go down any with your payments because they are taking it off the transferred balance instead, knowing they will make money on the 28% as long as the purchase balance is untouched.

Also, as Slim said if you default even by just one day, that APR can skyrocket.
DebtorBasher on 2008-10-21:
Now...IF they raised the APR from 1.99% to the 28% without notifying you first...they can be sued for it. When I worked at Sears Credit, they were sued for that very reason and for everyone who was not notified by mail, of the raise in their APR, Sears had to write off all of their accounts. I would think they would have learned from that.

These companies are supposed to notify the consumer in writing before they raise their APR and give them the option to accept the new terms, or close their account at the current term until paid off.
Candy54321 on 2008-11-17:
I work for them currently, if you take a bt over the phone thre is a disclosure that is read stating that if you default your apr will go default and come out of the promotion. If yo used a convenience check it is listed in fine print on the checks that are sent. They can increase the apr and on your next statement it will tell you exactly why they increased your apr.
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Sears Gold Credit Card
Posted by on
CHARLOTTE, NORTH CAROLINA -- I kept getting letter after letter to complete a balance transfer from a higher rate credit card to Sears for an APR of 4.99%. I did the transfer on line and very first month of billing the APR was over 15%.

I complained several times and they basically told me to provide proof of them sending these letter after I was literally inundated every time I checked my mail with these balance transfer offers or blank checks.
     
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