Excellent, never had a problem
They sell all your info (including social security number), give you no options, obviously just exist to take advantage of every customer.
They don't give you the discounts as promised, and create an opaque system just to take advantage of you.
This card is awful.
I applied for credit at sears told me my application couldn't be processed at the time to call a number .so I called the lady I spoke with tells me I got approved but shes not able to tell me the credit limit but that I will receive the card 7 -10 days okay so we get dissconected
So I call again than they tell me they have nothing on file with my information ..umm okayI was already annoyed they have horrible customer service .! ...anyways I call again than they tell me I got denied like what the hell I guess
So my point is sears has terrible customer service they don't care ..I have a good credit score above 620
i went to the dental office and I was about to get a $12,000 prodecure done, but it was getting me approved that was the pain, i applied with and i had a 700+ credit score and very little debt, and i wasn't approved, my wife did the same and her credit score was better than mine and she was denied, i haven't made any recent purchases or anything, and finally my father whom is 70 applied for me and he was approved, he has a 750+ score, but anyway he doesn't like how the billing system is and messed up the payments and was put onto some very high interest program... we tried getting a refund and that was a pain i was very unhappy with the options i was provided i ended up applying for Lending Club Patient Solutions and was approved for a 7.99% rate and now going to a different doctor that offers them...so not very happy with the options Citi health provided me/ my father
I should have known when the store had trouble signing me up for this card when I bought a laptop computer. I spent over 30 minutes just trying to log in to pay the bill. I had to make 3 calls to customer service for log in assistance and finally got so frustrated, I asked if there was a charge to pay the thing off over the phone and be done with it. They also have the highest interest rate of any card I own. 24-something percent! I would not give any stars for this card, and I don't plan to use it again!