Credit Card Reviews Advertiser Disclosure

Citi Sears Credit Card®

Approval Odds
Cardholder (67 Reviews)
Application Process
Customer Service
1.4178999662399 5

How Credit Karma Can Help

Thinking about applying? Credit Karma can estimate your Approval Odds based on your credit profile. Get your information for free and get started.
  • Credit Scores
  • Credit Reports
  • Personalized Offers

Most Helpful Positive Review

Helpful to 8 out of 9 people

just wanna ask a question..whats the credit score limit to apply on sears?

Read More

mikeangelo4u's review was:    

 

Most Helpful Critical Review

Helpful to 8 out of 8 people

Just like the dozens of card holders stated before me, my limit was inexplicably reduced from a few thousand dollars to $450.  And that was only because my current balance is $430.  I don't get it at all.  I really valued this card due to the wide range of products they sell (I'm a home owner, I don't like alot of credit cards, but I kept this one because having another resource to replace a large appliance or tools just buy shoes or clothes is smart I think).  I feel like I've been a good credit card holder with them in the past and now I've been told they don't want my business.  

Read More

Reviews (67)

Now I'm scared!
Helpful to 0 out of 1 people

I was in the store today with my aunt.  I normally wouldn't have bought anyting, but they seemed to have stepped up their game.  I bought a pair of jeans and the sales girl asked if I wanted to apply for the card.  I told her no.  I explained I have enough inquiries and do not wish to add to them.  She told me the store card is easier to get and is ony a soft pull.  I agreed, because of the soft pull.  I was approved for $1,000.  I also immediately got an alert from Credit Karma showing the inquiry.  Since I was approved, and it it was a decent amount, I'm not too upset.  However, I am confused upon reading other reviews, saying they are phasing out the store card.  My inquiry says Citi Bank.  I am certain, I don't have the MC, just the store card.  These reviews are horrible! I am terrified to use this card!  

Read More
WORSE CARD EVER!
Helpful to 4 out of 4 people

YOU HAVE BEEN WARNED! Stay Away from this card. CITIBANK doesnt know what to do with their customers! end of story.

Read More
Don't bother
Helpful to 1 out of 1 people

I read an article on the WSJ last May that said Sears is phasing out their store issued cards in favor of a Sears branded Citi Mastercard.  Not being a big fan of Citi, I called customer service to inquire. I was informed that yes, the "best" (CSR's words, not mine) customers would be issued the Citi Mastercard and the old store cards closed out sometime in the future.  I indicated I did not want another major credit card and the CSR assured me I could keep my old card.  After I paid off my balance in January, I received a letter from CitiBank informing me that my Sears account was closed and invited me to apply for the Mastercard.  I know this won't impact my credit score, but I find it an extremely disingenuous way to conduct business.

Read More
Sears is NOT what it used to be
Helpful to 2 out of 2 people

I grew up admiring Sears. Their products were always top notch, their tools come with a guarantee and all of their products used to come witgh a schematic and a list of orderable replacement parts.

Now I wouldnt step foot in or purchase anything from Sears. They have been going down hill for years. I finally haqd enough when my full credit card payment of $9.96 was lost in the mail, frist time in15 years I was late and always paid in full. Sears charged me $11.96 fee for not paying my balance of $9.96. So the bill has a pay by date of March 1st, so when I call to cancel I find out they already charged me an additional fee, before my due date! I called to cancel the card and after 10 minutes I speak with someone who cannot cancel cards..I have to be transferred and wait 10 more mionutes. Finally speak with someone and he was so rude. While he was cancelling my card I asked what me new balance was so I could send in a payment and he said your card is cancelled..isn't that what you wanted? and he hung up on me.

Read More
Helpful to 1 out of 1 people

Yeah.... I'm sure that is what really happened.

tbdc's reply was:    

 
Worst customer service team EVER!
Helpful to 2 out of 2 people

I keep getting blocked for fraud and when I call for help - I am treated like the fraudster!  They do not care about their customer AT ALL.  I would cancel the card except it will lower my credit score.....  NEVER AGAIN SEARS!   No wonder you are in so much financial trouble

Read More
Feathers
Helpful to 2 out of 3 people

My husband passed away an they sent me to collections. Even though the bill was still being paid. Even the collection agency couldn't figure that one out. I hate sears!!

Read More
Sears card
Helpful to 2 out of 2 people

This is a joke I made a late payment 10 days late and  was unawhere that they  put a late fee ended up with a 30 late payment on my credit report. This is  such a rip off to the public .

Read More

Could you explain why this is a rip off? You were late.... Did you call them and asked them to remove it?

tbdc's reply was:    

 
Charged for another person's account
Helpful to 1 out of 1 people

They have sent to collections an account not even under my name.  They refuse to correct the mistake after repeated pleas.  They also charged our actual account for a refrigerator that was never delivered.  It has taken numerous phone calls and they still refused to reverse the charges.  In short, it has been a living nightmare.

Read More
They are a scam!!!!!!

They will not send your bill so they can collect late fees and when you try to pay they still give you a hard time. Cheap company I never do business with this company again.

Read More
Not willing to work with customer
Helpful to 1 out of 1 people

I have held a Sears card for many years.  I contacted them to ask for a lower interest rate as mine is currently 25%.  The operator informed me that there were no other offers currently available.  I informed him that I would transfer my balance to a different card if he couldn't offer me a better interest rate.  At this point, he once again stated that there were no other offers available.  Will now transfer this balance and cancel the card. 

Read More

Add Your Review Of Citi Sears Credit Card®

Rate this product

Rate your application experience (Optional)

Application Process

Customer Service

What is your experience with this product?

I Have It

I Used To Have It

I Applied For It

Write your review:

Profile Image
Anonymous
Post as Member

Company Overview

The Citi Sears Credit Card®, serviced by Citibank for Sears customers, offers benefits to Sears cardholders. Cardholders may receive perks such as exclusive monthly savings and coupons, special financing offers, and secure access to their credit score, powered by Credit Karma. The Sears website even offers a free Credit Score Demo to illustrate this feature. Other credit card types include the Sears Card®, Sears MasterCard® Card, Sears Commercial One® card, and Sears Home Improvement AccountSM. Sears card can be used to shop at Sears and Kmart stores.

With the motto “Life. Well Spent”, Sears, Roebuck and Co. owns a nationwide network of 848 full-line Sears stores, and is a leading U.S retailer of apparel, automotive, and home products and services. Sears also owns a variety of websites, specialty stores, and catalogs that offer merchandise and additional services to families nationwide. Sears, Roebuck and Co. is a subsidiary by Sears Holdings Corporation, the nation’s fourth largest broadline retailer with over 3,900 full-line and specialty retail stores in the U.S. and Canada.

Approval Odds

Citi Sears Credit Card®

67 Reviews