Citi Sears Credit Card® Reviews

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1.3 out of 5 stars
15 Reviews

From Cardholders in the last year

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Application Process

3 out of 5 stars

Customer Service

1.5 out of 5 stars

1.5 5

These reviews were written by current and former cardholders in the last year.

Apr 30, 2017
Anonymous Cardholder

Will raise your rate for no reason.

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Apr 17, 2017
Misleading Check Stubs on rates, watch o
Anonymous Cardholder

If you use the convenience checks, beware. You may not sign up for the promotional deal you think you have. I didn't realize there was a difference between the 3 checks they sent me. I tore off the bottom one and deposited. Turns out that was the 3.99% one, not the 0%. Caught it on first statement when I was charged interest. Called customer service and was basically told too bad.

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Mar 21, 2017
Very shady details buried in fine print.
Anonymous Cardholder

I have had this card for 5 years after I opened an account to purchase a major appliance. I took advantage of a balance transfer offer for temporary 0% interest and quite unexpectedly found a $200 charge on my next statement for the privilege, despite NO details on the web site regarding any fees for balance transfers for existing account holders (only new account holders.) I have never done a balance transfer before and was wary, but had always had decent enough experiences with the SearsCard in the past. If there was documentation of the fee, it was tiny and buried deep in the fine print, which the customer service rep admitted when I called, and said that she was handling multiple complaints about the same thing. She transferred me to a supervisor, but the call was cut off a minute into the conversation. I called back and the next supervisor admitted the same, including that there was no detail anywhere on their web site about a balance transfer fee for existing customers, and said there was nothing they could do to reduce the fee, or remove it if I paid the transfer back today (2 business days after the balance transferred.) 

I am a 5-year cardholder who is now cancelling my card and never shopping at Sears again. 

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Nov 08, 2016
terrible customer service
Anonymous Cardholder

absolutely unable to speak to anyone of authority to remedy their error.

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Nov 05, 2016
I agree with sears
Anonymous Cardholder

Sears like all other cards are in the business to make money. I am glad they shut your cards down or lower your limits. And funny how you owe a balance but dont get a statement. If you know you owe a credit card money stop with the lies oooh i never gotva statement. Its always bad customer service cause you dont get your way

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Sep 12, 2016
Anonymous Cardholder

Very bad customer service at all levels....nobody cares about customers what they want is only profit at whatever costs

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Sep 07, 2016
3 Credit Cards for 1 STORE! -
Anonymous Cardholder

I am livid!  Every time I walk in that store I am asked to apply for a credit card.  I was very naive in the beginning and thought they were combining my 2 Credit Cards I somehow first had with them into one.  Ended up with 3 separate CC for 1 store.  Now they close one for inactivity and use my Equifax score for some reason !

This is atrocious and I am angry as hell they even offer 3 separate accounts.  Also, if they see you have 1 credit card maybe they could meniton "oh, I see u have one already are you sure you want another one?"  What a CON!

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Dec 09, 2016

Just don't apply for any credit card you don't want and haven't done research on. It's that easy. You're allowed to say no.

Aug 29, 2016
Anonymous Cardholder

After 36 years and over 100,000 thank you points, Citibank canceled the card without any notification except a letter that arrived 10 days AFTER the card was cancel.  There reason, made two payments the same day.  Yes we did make two payments the same day. We were paying it down so we could use it on our travel plans.  36 years as a customer!!!! Not a call asking any questions just a cancellation letter. 

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Aug 20, 2016
Anonymous Cardholder

I have been a dedicated customer with Sears, for over 25 years.  I just found out recently they shut down my account and gave no real solid reason why.  They probably are having financial concerns as a company.  When I spoke with a senior representative, I was told that I have never paid late and was an outstanding customer of 25 years. I'm sure it is due to the current times we live in, but the reason I am writing this review is for others who have good credit.  Be very careful, when they do this it has an adverse consequence on you personal credit score.  Currently, I am seeking legal advice as well as disputing this on my credit score.  When I spoke with senior representative Micheal BSRS14 (can't give their last names), he told me they have very high standards on customers they allow to have an account with them.  I explained to him, that Sears is the only company that has every shut down an account I have had.  I explained that their standards apparently are higher than my Gold American Express Card and Platinum Cards!  I will never walk in another Sears store again, I will let my friends and family know what had happened to an outstanding customer of 25 years.  This doesn't make much sense, the only thing I can think of, is that they have fallen on hard times.  Be careful buying major appliances, and making large purchases with them.  They just might do this to you, and mess-up your good credit.  

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Aug 12, 2016
Will cheat you out of your credit line
Anonymous Cardholder

Make all your payments on time, but some other creditor erroneously makes a late payment claim on your credit report...let's just cut your credit in half.  Customer service pleasant but absolutely useless.

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Citi Sears Credit Card®