Where to send your Sears credit card payment
Sears credit card payments go to Citibank, which manages the account on Sears' behalf. You can pay online through the Citi website, by phone, by mail, or in person at a Sears store if one is open in your area. The payment address and phone number appear on your monthly statement, and the Citi website shows all available payment methods once you log in.
Online payment is the fastest route — you can set it up in minutes and see the payment post within one to two business days. If you do not have online access yet, calling Citibank's customer service number (on your statement) takes about 10 minutes and requires your account number and routing information if you are paying from a bank account.
Key Takeaways
- Sears credit card payments are processed by Citibank, and you can pay online, by phone, by mail, or at a Sears store location.
- Online payment through the Citi website is the fastest method and typically posts within one to two business days.
- Your monthly statement lists the mailing address and phone number for payments, and the payment due date is shown on the same statement.
- Setting up automatic payments through your bank or the Citi website prevents missed payments and late fees.
- If your Sears store has closed, you cannot pay in person, but online and phone options remain available.
Setting up online payments through Citi
To pay online, go to the Citi credit card website and log in with your username and password. If you do not have an online account, you can create one by entering your card number and other identifying information. Once logged in, select "Make a Payment" and choose whether to pay from a bank account or debit card.
You will need your bank's routing number and your account number if you pay from a checking or savings account. Debit card payments require only the card number, expiration date, and CVV. Citi will show you the payment date before you confirm — online payments typically post one to two business days after you submit them, though payments made after 8 p.m. Eastern time may not post until the next business day.
Automatic payments and due date reminders
Setting up automatic payments prevents missed due dates and late fees. Through the Citi website, you can schedule a payment for a specific date each month or set it to pay your full balance automatically. You choose the amount and the date, and Citi will deduct it from your bank account on that schedule.
If automatic payments feel risky — for example, if your income varies — you can instead set up a due date reminder through your bank's bill pay system or through Citi's notification settings. Citi can send you an email or text message a few days before your payment is due, giving you time to log in and pay manually.
Paying by phone or mail
To pay by phone, call the number on your statement and have your account number ready. A representative will ask how much you want to pay and whether you are paying from a bank account or debit card. Phone payments typically post within one to two business days, the same as online payments.
Mailed payments take longer — usually five to seven business days from the time Citibank receives the envelope. Write your account number on the check or money order, and mail it to the address on your statement. To avoid late fees, mail your payment at least one week before the due date. Keep a record of the check number or money order receipt in case you need to track the payment later.
What happens if you miss a payment
A payment is considered late if it arrives after 5 p.m. Eastern time on the due date shown on your statement. Citibank will charge a late fee — the amount depends on your account terms but typically ranges from $25 to $40 for the first late payment. If you miss a payment by 30 days or more, the late payment will appear on your credit report and may affect your credit score.
If you realize you have missed a payment, contact Citibank when ready. Some accounts allow you to make a payment over the phone right away, which can prevent the late fee if you call before the end of the business day. If you have a history of on-time payments, you can ask whether Citibank will waive the late fee as a one-time courtesy.
Paying off your balance faster
If you want to pay more than the minimum payment, you can do so at any time through any payment method. Paying extra reduces the amount of interest you owe and shortens the time it takes to pay off the card. You can make multiple payments in a single month — for example, a minimum payment on the due date and an extra payment a week later.
Some people pay their balance in full each month to avoid interest charges altogether. If you do this, you will have no balance to pay interest on, though you will still owe any annual fee if your card has one. Check your statement to see whether your Sears card charges an annual fee and what that fee is.
If your Sears store closed or you cannot reach customer service
Many Sears locations have closed in recent years, but your credit card account remains active and managed by Citibank. You cannot pay in person at a closed store, but you can still pay online, by phone, or by mail using the contact information on your statement. If the phone number on your statement is outdated, search "Citi credit card customer service" online to find the current number.
If you have trouble reaching Citibank or your payment does not post after two weeks, contact them in writing. Send a letter to the mailing address on your statement describing the problem and include a copy of your payment confirmation or canceled check. Keep the letter and any receipts for your records.
Frequently Asked Questions
Can I pay my Sears credit card at a Sears store?
Only if the store is still open. Many Sears locations have closed, so check whether there is an open store near you. If there is not, use online payment, phone payment, or mail instead. All three methods are processed by Citibank and take one to two business days (or five to seven for mail).
What is the difference between the due date and the payment date?
The due date is the important date by which your payment must arrive to avoid a late fee. The payment date is when the money actually leaves your account or when Citibank receives it. Online and phone payments typically post one to two business days after you submit them, so submit them at least three days before the due date to be safe.
Will paying online cost me a fee?
No. Citibank does not charge a fee for online credit card payments. Phone and mail payments are also free. Some third-party payment services charge fees, but paying directly through Citi's website or by calling their number costs nothing.
Can I change my payment due date?
Yes. Log into your Citi account online or call the number on your statement and ask to change your due date. Citibank can usually move it to a date that works better with your paycheck or other bills. The change typically takes effect on your next billing cycle.
What should I do if my payment was rejected?
Check your email or log into your Citi account to see why the payment failed — common reasons are an expired debit card, incorrect routing number, or insufficient funds. Fix the problem and submit the payment again as soon as possible. If the rejection happened close to your due date, call Citibank to explain and ask whether they will waive the late fee.