Where to send your Sears Charge Card payment
Sears Charge Card payments go to Citibank, which manages the account on behalf of Sears. You can pay online through your Sears account, by phone, by mail, or in person at a Sears store. The method you choose depends on how quickly you need the payment to post and whether you have your account details handy.
Online payment is the fastest route and posts within one to two business days. Phone and mail payments take longer — mail typically takes five to seven business days to clear, and phone payments may take two to three business days depending on when you call and the time of month.
Key Takeaways
- Pay online at Sears.com or through the Sears mobile app by logging into your account and selecting the payment option.
- Call Citibank at the number on the back of your card to make a phone payment; have your account number and routing information ready.
- Mail payments to the address printed on your monthly statement; include your account number and the payment coupon if one came with your bill.
- In-store payments at Sears customer service desks are available at most locations, though you should call ahead to confirm hours.
- Set up automatic payments through your Sears account to have a fixed amount deducted on the same day each month.
Paying online through Sears or the mobile app
Log into your Sears account at Sears.com using your email address and password. Once you are in your account dashboard, look for a section labeled "Manage My Account," "Billing," or "Make a Payment" — the exact wording varies depending on whether you are on desktop or mobile.
Click or tap the payment option and enter the amount you want to pay. You will be asked to confirm the payment method — this can be a bank account (checking or savings), a debit card, or another credit card. Enter the routing number and account number if you are paying from a bank account, or the card details if you are using a card. Review the payment date and amount one more time before confirming. You should receive a confirmation number when ready; save or screenshot this for your records.
Payments made before 11:59 p.m. Eastern Time typically post within one business day. Payments made after midnight or on weekends may not process until the next business day.
Paying by phone with Citibank
The phone number for Sears Charge Card payments is printed on the back of your physical card and on your monthly statement. Call that number and follow the automated system, or ask to speak to a representative if you prefer to pay that way.
Have your account number, the amount you want to pay, and your bank account or card details ready. If you are paying from a bank account, you will need your routing number and account number. The system will confirm the payment amount and the date it will post. Most phone payments post within two to three business days, though this can vary depending on when you call and your bank's processing time.
Keep the confirmation number the automated system provides or ask the representative for one if you speak to a person. Write it down or take a photo for your records.
Paying by mail
Find the mailing address on your monthly statement — this is the address where you send your payment, and it is different from the Sears corporate office. Write a check or money order for the amount due and include your account number on the check itself. If your statement came with a payment coupon or stub, include that as well; it helps the payment post faster.
Mail payments typically take five to seven business days to arrive and clear. To avoid late fees, mail your payment at least ten business days before your due date. If you are close to your due date, use online or phone payment instead.
Do not send cash through the mail. If you do not have a checking account and cannot pay online or by phone, ask at a Sears store whether they can accept a money order or cashier's check in person.
Paying in person at Sears
Visit the customer service desk at any Sears store location. Tell the associate you want to make a payment on your Sears Charge Card. Bring your card or your account number so they can look up your account. You can pay with cash, a check, a debit card, or another credit card.
Call the store ahead of time to confirm that the customer service desk is open and that they are currently taking card payments. Store hours and payment services vary by location. In-person payments typically post within one to two business days.
Setting up automatic payments
Log into your Sears account online and look for a section labeled "Automatic Payments," "Auto Pay," or "Recurring Payments." Select the option to set up a new automatic payment. You will choose the amount (either a fixed dollar amount or the full statement balance each month) and the day of the month you want the payment to come out.
Provide your bank account details or card information. Review the setup one more time and confirm. You can change or cancel automatic payments at any time by logging back into your account. If you set up auto pay for your full statement balance, your payment will be deducted a few days before your due date each month.
What to do if your payment does not post
If you made a payment online or by phone and it does not show up in your account within the timeframe stated (usually one to three business days), log back into your Sears account and look for a transaction history or payment status page. This will show you whether the payment is pending, posted, or failed.
If the payment failed, you will see an error message explaining why — often because the bank account or card information was incorrect or the account does not have enough funds. Make the correction and try again. If the payment is pending, wait the full number of business days before contacting customer service.
If the payment posted but your balance did not change, or if you were charged a late fee after making a timely payment, call the number on the back of your card and speak to a representative. Have your confirmation number and the date you made the payment ready.
Frequently Asked Questions
Can I pay my Sears Charge Card at a Sears store?
Yes, most Sears locations have a customer service desk that accepts card payments. You can pay with cash, check, debit card, or credit card. Call ahead to confirm the store accepts payments and to check their hours, since not all locations offer this service.
How long does it take for a mail payment to post?
Mail payments typically take five to seven business days to arrive and clear. To avoid a late fee, mail your payment at least ten business days before your due date. If you are within ten days of your due date, use online or phone payment instead.
What happens if I pay late?
Late fees and interest charges depend on your account terms and how many days past the due date your payment is. Check your statement or account for your specific late fee amount. Contact Citibank if you have questions about charges on your account.
Can I set up automatic payments for just part of my balance?
Yes. When you set up automatic payments, you can choose a fixed dollar amount each month, or you can choose to pay your full statement balance automatically. You can change the amount or cancel auto pay at any time through your Sears account.
Is there a fee to pay my Sears Charge Card?
No. Sears does not charge a fee for making a payment, regardless of the method you use. However, if you pay from a bank account using a third-party payment service not affiliated with Sears, that service may charge its own fee.