Where to pay your Sears credit card bill
Sears credit card payments are handled through Citibank, which manages the card on behalf of Sears. You can pay online at citi.com by logging into your account, or by calling the customer service number on the back of your card. Payments made online typically post within one business day.
You can also set up automatic payments so the full balance, minimum payment, or a fixed amount withdraws from your bank account on a date you choose. This prevents missed payments and late fees, though you should still check your statement monthly to catch any billing errors.
If you prefer not to use the website, you can mail a check to the address printed on your statement, but mailed payments take longer to arrive and post — usually five to seven business days. Phone payments are also available, though Citibank may charge a fee for paying by telephone.
Key Takeaways
- Log in at citi.com with your username and password to pay online; this is the fastest way to make a payment.
- Automatic payments can be set up for your full balance, minimum payment, or a custom amount on a date you choose each month.
- Payments made online post within one business day, while mailed checks take five to seven business days.
- The customer service number on the back of your card can answer questions about your account or process a payment over the phone.
- Setting up automatic payments helps you avoid late fees and missed payment reports to credit bureaus.
Logging in for the first time
If you have never logged into your Sears credit card account online, you will need to register first. Go to citi.com and select the option to register a new user. You will need your card number, Social Security number, and date of birth to set up your login.
After you create your username and password, you can log in immediately and make a payment. Write down your username and password in a safe place, or use a password manager to store them securely. Citibank will also ask you to set up security questions as a backup way to verify your identity if you forget your password.
What to do if you forgot your login information
If you cannot remember your username or password, citi.com has a "Forgot username or password?" link on the login page. Click it and follow the prompts to verify your identity using your card number, Social Security number, and date of birth. Citibank will then send you a temporary password or username reset link by email.
If you do not have access to the email address on file, or if you are still locked out after trying the online reset, call the number on the back of your card. A customer service representative can verify your identity over the phone and help you regain access to your account.
Setting up automatic payments
Automatic payments remove the risk of forgetting to pay and triggering a late fee. Log into your account at citi.com, find the "Payments" or "Autopay" section, and choose whether you want to pay your full balance, your minimum payment, or a fixed dollar amount each month.
Select the date the payment should come out of your bank account — most people choose the date they receive their paycheck or the date their bill is due. You will need to provide your bank account number and routing number. Once set up, the payment will happen automatically on that date each month until you cancel it.
Even with automatic payments, review your statement each month to make sure the payment went through and to catch any unauthorized charges or billing errors.
Understanding your statement and due date
Your Sears credit card statement shows your balance, minimum payment due, and the date by which payment must arrive to avoid a late fee. The due date is usually the same day each month. If you pay only the minimum, you will owe interest on the remaining balance at the card's annual percentage rate (APR).
Late payments are reported to credit bureaus and can lower your credit score. A payment is considered late if it arrives after the due date shown on your statement. Paying online or setting up automatic payments before the due date is the safest way to stay on time.
Troubleshooting payment problems
If your online payment does not go through, check that you entered your bank account information correctly and that your bank account has enough funds. Some banks place a temporary hold on payments to unfamiliar merchants, which can cause the transaction to fail. Contact your bank to ask if they blocked the payment.
If you see a payment on your statement that you did not make, or if a payment you made is not showing up after one business day, call the customer service number on the back of your card. A representative can investigate the transaction and correct any errors. Keep a record of the date and amount of every payment you make in case you need to dispute it later.
Frequently Asked Questions
Can I pay my Sears credit card with a different card or payment method?
Citibank only accepts payments from a bank account (checking or savings), by check, or by phone. You cannot pay with another credit card or digital wallet like Apple Pay or PayPal. If you want to transfer the balance to a different card, that is a separate process handled through your new card issuer.
What happens if I miss a payment?
A missed payment triggers a late fee (the amount varies by your card terms) and is reported to credit bureaus after 30 days. Your interest rate may also increase. If you miss a payment, log in and pay as soon as you can to limit the damage to your credit score.
How do I know if my payment went through?
After you submit a payment online, you will see a confirmation number on the screen. Write it down or take a screenshot. Log back into your account a few hours later to see the payment reflected in your balance. Payments typically post within one business day.
Can I cancel an automatic payment I set up?
Yes. Log into citi.com, go to the autopay or payments section, and select the option to cancel or modify your automatic payment. The change takes effect before your next scheduled payment date. If you need to cancel it immediately, call the number on the back of your card.
What if I want to pay more than the minimum?
You can pay any amount up to your full balance. Log into your account, enter the amount you want to pay, and submit it. Paying more than the minimum reduces the interest you owe and helps you pay off the card faster.