Where to send your Sears credit card payment

Sears credit card payments go to Citibank, which handles the account on Sears' behalf. You can pay online through the Sears credit card portal, by phone, or by mailing a check to the address printed on your statement. The online portal is the fastest route — payments typically post within one business day when you pay before 8 p.m. Eastern time.

The mailing address for payments appears on the back of your statement or in the "Pay Your Bill" section of your online account. Do not send payments to a Sears store location; they will not reach Citibank and will delay your payment. If you cannot find the address on your statement, call the customer service number on the back of your card to confirm the current mailing address before sending a check.

Key Takeaways

  • Online payments through the Sears credit card portal post within one business day if submitted before 8 p.m. Eastern time on a business day.
  • Mailed payments should go to the address on your statement or in your online account, never to a Sears store.
  • Phone payments are available by calling the number on the back of your card, and you will need your account number and payment amount ready.
  • Late fees explore if your payment does not arrive by the due date shown on your statement, regardless of when you sent it.
  • Setting up automatic payments through your bank or the Sears portal removes the risk of missing a due date.

Paying online through your account

Log in to your Sears credit card account at the Sears website or through the Sears mobile app. Click "Pay Your Bill" or "Make a Payment" — the exact wording varies depending on whether you are on desktop or mobile. You will see your current balance, minimum payment due, and the due date.

Enter the amount you want to pay and choose your payment date. You can schedule a payment for today or up to 30 days in advance. Confirm the payment details, and you will receive an on-screen confirmation number. Save or print this number for your records. The payment will post to your account within one business day if submitted before the cutoff time; payments submitted after 8 p.m. Eastern time or on weekends will post on the next business day.

Paying by phone or automatic transfer

Call the customer service number on the back of your Sears credit card to pay by phone. Have your account number, the amount you want to pay, and your bank account or debit card information ready. A representative will walk you through the payment and provide a confirmation number. Phone payments post within one to two business days.

You can also set up automatic payments directly from your bank account through your online banking portal. Most banks allow you to add the Sears payment address as a payee and schedule recurring payments. Automatic payments remove the risk of forgetting a due date, though you should still check your statement each month to confirm the payment posted correctly and your balance is accurate.

Mailing a check or money order

Write your check or money order to Citibank (not Sears), and include your account number on the memo line. Place the check in an envelope with the payment coupon from your statement if you have one — the coupon has your account number printed on it and helps the payment reach the right account faster. Mail it to the address shown on your statement.

Allow 7 to 10 business days for a mailed payment to post to your account. The due date on your statement is the date your payment must be received, not the date you mail it. If you are close to your due date, mailing a check is risky; use online or phone payment instead. If you do not have a payment coupon, write your account number clearly on the check itself so the payment is not delayed.

What happens if your payment is late

A payment is late if it does not arrive by the due date printed on your statement. Late fees typically range from $25 to $40 depending on your account terms, and they are added to your balance when ready. A late payment also appears on your credit report and can lower your credit score, even if you pay just one day late.

If you miss a due date, pay as soon as you realize it. The sooner you pay, the less interest will accrue on the unpaid balance. If you are having trouble making a payment, contact Citibank customer service before the due date to discuss your options; some accounts have hardship programs that can temporarily lower your payment or interest rate.

Confirming your payment went through

Check your online account 1 to 2 business days after you submit a payment to confirm it posted. Log in and look at your current balance — it should reflect the payment you made. If you paid online or by phone, you should have a confirmation number from that transaction; keep it until you see the payment appear in your account.

If a payment does not post within the expected timeframe, contact Citibank customer service with your confirmation number. Provide the date you submitted the payment, the amount, and the method you used. The representative can look up the payment in their system and tell you whether it is pending, if there was an error, or if it needs to be resubmitted.

Setting up a payment plan if you cannot pay in full

If you cannot pay your full balance by the due date, you can pay the minimum amount due to avoid a late fee. The minimum is shown on your statement and is usually 1 to 3 percent of your total balance. Paying only the minimum means you will owe interest on the remaining balance, and it will take much longer to pay off the card.

If you are struggling with a large balance, contact Citibank before your due date. Some accounts are may be able to access for a payment plan or a temporary reduction in interest rate. Citibank may also offer a balance transfer option that lets you move your balance to a new card with a lower rate, though this typically comes with a transfer fee of 3 to 5 percent of the amount transferred.

Frequently Asked Questions

Can I pay my Sears credit card at a Sears store?

No. Sears stores do not process credit card payments. Payments must go through the online portal, by phone, or by mail to the Citibank address on your statement. Giving cash or a check to a store employee will not reach your account and will not count as a payment.

What time does the online payment cutoff happen?

Payments submitted before 8 p.m. Eastern time on a business day post within one business day. Payments submitted after 8 p.m. or on weekends and holidays post on the next business day. The exact cutoff may vary; check your account for the specific time listed for your payment method.

How long does a mailed payment take to show up?

Mailed payments typically take 7 to 10 business days to post. The due date on your statement is when the payment must be received, not when you mail it. If you are within a week of your due date, do not mail a check; use online or phone payment instead to avoid a late fee.

What if I pay online but the payment does not post?

Check your account 1 to 2 business days after submitting the payment. If it has not posted, contact Citibank customer service with your confirmation number, the date you submitted the payment, and the amount. They can locate the payment in their system and tell you whether it is still pending or if it needs to be resubmitted.

Can I set up automatic payments so I never miss a due date?

Yes. You can set up automatic payments through your bank's online portal by adding the Sears payment address as a payee, or through the Sears credit card portal itself. Automatic payments remove the risk of forgetting a due date, but you should still review your statement each month to confirm the payment posted and your balance is correct.