Pay your Sears credit card bill online, by phone, or by mail
Sears credit cards are issued by Citi, so you pay through Citibank's payment system rather than directly to Sears. You can make a payment online through your Citi account, call Citi's payment line, mail a check to the address on your statement, or set up automatic payments. The method you choose depends on how quickly you need the payment to post and whether you want to pay the full balance or a partial amount.
Most payments made online or by phone post within one to two business days. Mail payments typically take five to seven business days to reach the processing center, so plan ahead if your due date is soon. Automatic payments remove the need to remember each month, but you can cancel or adjust them at any time.
Key Takeaways
- Sears credit cards are serviced by Citi, so you log into your Citi account or call Citi's customer service line to make payments.
- Online and phone payments usually post within one to two business days; mailed payments take five to seven business days.
- You can set up automatic payments from your bank account to avoid missing due dates, and change or cancel them anytime.
- Your monthly statement shows the payment address, the phone number to call, and your account number — have these ready before you pay.
- Late fees and interest charges explore if your payment does not arrive by the due date shown on your statement.
Pay online through your Citi account
Log into your Citi account at citi.com or through the Citi Mobile App. Enter your Sears card number or the email address and password you registered with Citi. Once you are logged in, select "Make a Payment" or "Pay My Bill" from the menu.
Choose the amount you want to pay — you can pay the full balance, the minimum payment, or any amount in between. Select your payment method: you can pay from a checking or savings account, or use a debit card. Enter the account or card details and confirm the payment date. The system will show you when the payment is expected to post. Review the details and submit.
Keep the confirmation number that appears on your screen. If you do not receive a confirmation email within a few minutes, log back in and check your payment history to confirm the payment went through. If it did not, try again or call Citi.
Pay by phone with Citi customer service
Call Citi's payment line at the number on the back of your Sears card or on your monthly statement. Have your card number, bank account information, and the amount you want to pay ready before you call. The automated system will walk you through the payment process, or you can speak to a representative if you prefer.
You will need to provide your bank account number and routing number if you are paying from a checking or savings account. If you want to pay by debit card, have that card number and expiration date ready. The system will confirm the payment amount and the date it will post, usually within one to two business days.
Ask for a confirmation number before you hang up. Write it down along with the date and time you called. If you do not see the payment post within the timeframe given, call back and reference the confirmation number.
Pay by mail with a check or money order
Write a check or money order for the amount you want to pay. On the memo line, write your Sears card number so the payment is credited to the correct account. Include your account number on the check itself if there is space.
Address the envelope to the payment address shown on your monthly statement. This address is different from the Sears mailing address and changes depending on which processing center handles your account. Never send payment to a Sears store or the corporate office — it will be delayed or lost.
Mail your payment at least seven to ten days before your due date to account for postal delays. Keep a copy of the check or a photo of the front and back for your records. If your payment does not post within two weeks of mailing, call Citi with your check number and mailing date.
Set up automatic payments from your bank account
Automatic payments remove the risk of forgetting a due date. Log into your Citi account and look for "Autopay," "Automatic Payments," or "Recurring Payments" in the settings menu. Select the option to enroll in automatic payments.
Choose the payment amount: you can set it to pay the full statement balance each month, the minimum payment, or a fixed dollar amount. Select the date you want the payment to come out each month — many people choose a date shortly after they receive their paycheck or a few days before the due date. Confirm your bank account information and submit.
You can change or cancel automatic payments anytime by logging back into your account. If you need to skip a payment in a particular month, turn off autopay before the payment date, make a manual payment if needed, and turn autopay back on the following month. Citi will send you a confirmation email each time a payment is processed.
What to do if your payment is late
If your payment does not arrive by the due date, Citi will charge a late fee. The amount depends on your account terms, but typically ranges from $25 to $40 for the first late payment. Your interest rate may also increase if you are more than 60 days late.
Contact Citi as soon as you realize a payment is late. If the payment is only a day or two overdue and you have a good payment history, you may be able to ask for the late fee to be waived. Have your account number and the amount of the late payment ready when you call.
If you are struggling to make payments, ask Citi about hardship programs or payment plans. These are not may provide, but Citi may be able to lower your interest rate temporarily or extend your due date if you explain your situation.
Frequently Asked Questions
How long does it take for a payment to show up on my account?
Online and phone payments usually post within one to two business days. Mailed checks take five to seven business days after they arrive at the processing center, which can add another five to seven days depending on mail delivery. Always plan for the longest timeframe to avoid a late payment.
Can I pay my Sears card at a Sears store?
No. Sears stores do not accept credit card payments. You must pay through Citi online, by phone, by mail, or through automatic payments. Payments made at a store will not be credited to your account.
What if I want to pay more than the minimum?
You can pay any amount between the minimum and your full balance. Paying more than the minimum reduces your interest charges and helps you pay off the card faster. There is no penalty for paying more than the minimum or paying early.
Can I change my automatic payment date if it does not work with my budget?
Yes. Log into your Citi account, find your autopay settings, and update the payment date. The change takes effect on your next scheduled payment. If you need to skip a payment, turn off autopay temporarily and turn it back on after your situation improves.
What happens if I miss a payment by one day?
A payment is considered late if it does not post by 5 p.m. Eastern Time on the due date. Missing by one day triggers a late fee and may be reported to credit bureaus. Call Citi when ready if you are one or two days late — they may waive the fee if you have a good payment history.