Sears has been in existence for a long time and today, it remains an affordable place to shop and a company with a solid reputation. As many other retail stores, Sears offers its own merchant credit card so if you have one and you make purchases, whether in person or online, then you would need to make a Sears credit card payment to keep the balance down. Of course, paying a Sears credit card payment is easy and possible in a number of ways.
Sears Credit Card Fees an Features
Something that many people do not know is that the Sears merchant credit card is actually backed and issued by Citibank, one of the most successful banks in the world. Of course, when you pay your Sears credit card bill online, not only is the money going toward the balance of money spent toward purchases but also interest and applicable fees.
- Some of the standard fees that apply for a card such as this includes the APR or Annual Percentage Rate, which is applied to the amount of money owed for purchases made of 25% or more
- Now, if you were to make a Sears credit card payment and pay the full balance due, then no interest would apply. However, any balance carried over into the next month or next billing cycle would be subject to interest.
- Another fee associated with the Sears credit card is called the variable Cash Access APR.
- In this case, only slightly more would go toward select Sears accounts. Keep in mind that both the standard APR and Cash Access APR are dependent on the type of account you have with Sears. Because of this, there are times when the standard APR could be more than 30%, which is considered extremely high.
Paying Your Sears Credit Card Bill Online
In addition to the Sears credit card being enjoyable to carry, making payments are also easy. For instance, if you want to make a Sears credit card payment, you could choose a number of options. First, you could walk into any Sears store throughout the country and make a payment with a bank debit card, a different credit card, a check, or cash. You would also be able to make a payment on the phone using any of the same payment methods. However, if you find you have limited time, then you could make a Sears credit card payment online.
- With this, the payment would be safe and the process highly convenient.
- All you would need to do is log onto the Sears Website and follow the process for payment.
- Now, the one thing is that to make a payment via the internet, you would be required to register for that site.
- To accomplish this, you would provide specific information such as name, address, phone, etc.
- In addition, you would need to enter the name on the Sears card and the card number.
- Then, to make a Sears credit card payment online, you would also be required your social security number, for security purposes.
- This process is extremely easy, one that would only take a few minutes of your time. When done, you can make payments, but also look at account activity.
- Payments online can be processed 24 hours a day for added convenience.
