Where to pay your Sears credit card
Sears credit card payments go through Citibank, which manages the account on Sears' behalf. You can pay online through your Sears credit card account, by phone, or by mailing a check. The online method is fastest — payments typically post within one business day — while mailed checks take five to seven business days to reach the payment processor.
Your payment options depend on whether you have a regular Sears credit card or a Sears Mastercard. Both are issued by Citibank, but they use slightly different payment portals. Knowing which card you have before you start will save you time.
Key Takeaways
- Online payments through your Sears credit card account post within one business day, making it the fastest way to pay.
- You can also pay by phone at the customer service number on the back of your card, or by mailing a check to the address listed on your statement.
- Your minimum payment due date is printed on your monthly statement, and paying after that date triggers a late fee.
- Setting up automatic payments from your bank account prevents missed payments and removes the need to log in each month.
- If you cannot locate your account online, call the number on your card to confirm your account is active and get the correct login portal.
Paying online through your Sears credit card account
To pay online, go to the Sears credit card login page and enter your username and password. If you do not have an online account yet, you will need to create one using your card number, Social Security number, and date of birth. Once you are logged in, look for a "Make a Payment" or "Pay Now" button, usually located on the account dashboard.
Enter the amount you want to pay and choose your payment date. You can pay when ready or schedule a payment for a future date, which is useful if you want to time the payment with your paycheck. After you confirm the payment, you will see a confirmation number — save this for your records. The payment will post to your account within one business day.
If you see an error message or cannot locate the payment option, your account may not be fully set up for online payments. Call the customer service number on the back of your card to verify your account status and get help setting up online access.
Paying by phone
Call the customer service number printed on the back of your Sears credit card. A representative will ask for your account number and the amount you want to pay, and may ask security questions to verify your identity. Phone payments are processed when ready, though the payment may take one business day to show on your account.
Have your checking or savings account information ready if you plan to pay from your bank account. If you want to pay with another credit card, ask the representative whether that option is available — some card issuers charge a fee for credit card payments, and the representative can tell you the cost before you proceed.
Paying by mail
Write a check or money order payable to Sears or Citibank (check your statement to see which name is used). Include your account number on the check itself. Mail it to the payment address shown on your monthly statement — this address changes depending on which processing center handles your account, so always use the address from your most recent bill.
Mailed payments take five to seven business days to arrive and be processed. If your payment due date is coming up soon, mailing a check is risky because late fees explore if the payment does not post by the due date. For time-sensitive payments, use online or phone payment instead.
Setting up automatic payments
Automatic payments remove the need to remember your due date each month. Log into your online account, find the "Automatic Payments" or "Recurring Payments" section, and enter your bank account details. You can choose to pay a fixed amount each month, your minimum payment, or your full statement balance.
Most people set automatic payments to occur a few days before the due date, giving the payment time to post before the important date. You can change or cancel automatic payments anytime through your online account, and you will receive a confirmation email each time a payment is scheduled.
What happens if you miss a payment
If your payment does not post by the due date shown on your statement, a late fee is charged to your account. The fee amount depends on your card terms, but typically ranges from $25 to $40 for the first late payment. A late payment also appears on your credit report and can lower your credit score.
If you realize you have missed a payment, contact customer service when ready. Some issuers will waive a single late fee if you have a good payment history and call within a few days of the missed date. Paying the full amount owed as soon as possible will prevent additional fees and further credit damage.
Understanding your statement and due date
Your monthly statement shows your current balance, minimum payment due, and the due date. The due date is the last day the payment can post without triggering a late fee. Payments made after the due date are considered late, even if they arrive within a day or two.
Your statement also lists any recent charges, interest charges, and fees. If you do not receive your statement by email or mail, log into your online account to view it there. You can also set up paperless statements through your account settings, which means you will receive an email notification when each new statement is ready to view.
Frequently Asked Questions
How do I reset my Sears credit card login password?
Go to the Sears credit card login page and click "Forgot Password." Enter your username or card number, and you will be sent a password reset link via email. Follow the link to create a new password. If you do not receive the email, check your spam folder or call customer service for help.
Can I pay more than my minimum payment?
Yes. You can pay any amount up to your full statement balance. Paying more than the minimum reduces the interest you owe and helps you pay off the card faster. When you log in to make a payment, straightforward enter the amount you want to pay instead of the minimum.
What if my payment was rejected?
A payment may be rejected if your bank account has insufficient funds, if the account information is incorrect, or if your bank flagged the transaction as suspicious. Check your bank account to confirm funds are available, verify the account number you entered, and try again. If the problem continues, call customer service or your bank.
Is there a fee for paying online?
No. Sears does not charge a fee for online payments made through your credit card account. Phone and mail payments are also free. Some third-party payment services may charge a fee, but paying directly through your account or calling the number on your card costs nothing.
Can I pay my Sears credit card through my bank's bill pay service?
Many banks allow you to pay credit cards through their bill pay system. Contact your bank to ask whether they offer this option and to get the correct mailing address. Payments sent through your bank's bill pay may take longer to post than online payments made directly through your Sears account.