Where to send your Sears credit card payment
Sears credit cards are issued by Citibank, so you pay Citi, not Sears directly. You can pay online through your Citi account, by phone, by mail, or in person at a Sears store if one is still operating in your area. The fastest and most reliable method is online through the Citi website or mobile app, where the payment posts the same day if you submit it before the cutoff time (usually 8 p.m. Eastern).
If you do not have a Citi online account yet, you will need to set one up before you can pay that way. You can create an account on the Citi website using your card number and other identifying information. Once logged in, you can make a one-time payment or set up automatic payments so you never miss a due date.
Key Takeaways
- Sears credit cards are managed by Citibank, so you pay Citi through their website, app, phone line, or mail.
- Online payments through Citi post the same day if submitted before 8 p.m. Eastern, making this the fastest option.
- You can set up automatic monthly payments so your bill is paid on the same date each month without you having to remember.
- Mailed payments should arrive at least five business days before your due date to avoid late fees.
- Calling Citi to pay by phone takes about 10 minutes and requires your card number and bank account or debit card information.
Paying online through Citi's website or app
Log into your Citi account at citi.com or open the Citi Mobile app on your phone. Click "Pay" or "Make a Payment" from the main menu. You will see your current balance, minimum payment due, and due date. Enter the amount you want to pay — you can pay the full balance, the minimum, or any amount in between.
Choose your payment method: bank account (ACH transfer) or debit card. If you use your bank account, Citi will ask for your routing number and account number. If you use a debit card, enter the card number, expiration date, and CVV. Review the payment date — it will show you when the money will arrive. Submit the payment and you will receive a confirmation number on screen. Save or screenshot this number in case you need to reference the payment later.
Payments made before 8 p.m. Eastern on a business day post the same day. Payments made after 8 p.m. or on a weekend or holiday post the next business day. Your due date does not change based on when you pay, so paying early protects you from late fees.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. Log into your Citi account, go to "Manage Autopay" or "Automatic Payments," and select the amount you want to pay each month. You can choose to pay the full statement balance, the minimum payment, or a fixed dollar amount.
Select the date each month when you want the payment to come out of your bank account. Citi will deduct that amount automatically on that date every month. You can change or cancel automatic payments anytime through your account. Even with autopay on, you should still check your statement each month to make sure the payment went through and your balance is correct.
Paying by phone
Call Citi's customer service line at 1-800-950-5114. Have your Sears credit card number ready. A representative will ask you to confirm your identity by providing your Social Security number or other personal information. Tell them you want to make a payment.
You can pay using your checking or savings account (you will need your routing number and account number) or a debit card (you will need the card number, expiration date, and CVV). The representative will confirm the payment amount and date, then process the payment. The call usually takes 10 to 15 minutes. Ask for a confirmation number and write it down.
Paying by mail
Write a check or money order payable to Citibank. Include your Sears credit card number on the check or money order. Place it in an envelope with the payment stub from your statement if you have one, or write your card number clearly on a separate piece of paper so Citi can match the payment to your account.
Mail it to the address shown on your statement or on your billing notice. Different accounts may have different mailing addresses, so always check your most recent statement for the correct address. Mail your payment at least five to seven business days before your due date to make sure it arrives on time. Mailed payments typically take three to five business days to post to your account after Citi receives them.
What to do if you miss a payment
If your payment is late, Citi will charge a late fee (the amount varies but is usually $25 to $35 for the first late payment). Your interest rate may also increase if you are more than 60 days late. The late payment will appear on your credit report and can lower your credit score.
If you realize you missed a payment, make it as soon as possible. Call Citi at 1-800-950-5114 and ask if they can waive the late fee — many issuers will do this once if you have a good payment history. Pay the full amount owed, including any late fees and interest that has accrued. Going forward, set up automatic payments or a phone reminder so you do not miss another due date.
Understanding your statement and due date
Your Sears credit card statement shows your opening balance, all charges and credits from the past month, your new balance, your minimum payment due, and your due date. The due date is the last day you can pay without triggering a late fee. Payments received after 8 p.m. Eastern on the due date are considered late.
Your statement is usually mailed or emailed about 21 days before your due date, giving you time to review charges and make a payment. You can view your statement anytime by logging into your Citi account online. If you do not receive a statement, log in to your account to see your balance and due date, or call Citi to request a paper statement.
Frequently Asked Questions
Can I pay my Sears credit card at a Sears store?
Some Sears locations still accept in-person credit card payments, but Sears stores have closed significantly in recent years. Call your local Sears first to confirm they are open and accept payments. Online or phone payment through Citi is more reliable and faster than trying to find an open store.
What happens if I pay more than I owe?
If you overpay your Sears credit card, Citi will hold the extra amount as a credit on your account. You can use that credit toward future purchases, or you can request a refund. Log into your account or call Citi to request a refund of the overpayment.
How long does it take for a payment to show up?
Online and phone payments post the same day if made before 8 p.m. Eastern on a business day. Mailed payments take three to five business days after Citi receives them. Check your account online a day or two after paying to confirm the payment posted.
Can I change my due date?
Yes. Log into your Citi account, go to "Account Settings" or "Manage Your Account," and look for "Change Due Date" or "Payment Due Date." You can usually move your due date to any day of the month. Changing your due date can help you align your payment with when you get paid.
What if I want to pay off my balance in full?
Log into your Citi account and look for your "Statement Balance" or "Total Amount Due." Pay that full amount before your due date to avoid interest charges on any remaining balance. If you carry a balance month to month, interest accrues daily on the unpaid amount.