Where to send your Sears credit card payment
Sears credit card payments go to Citibank, which manages the card on Sears' behalf. You can pay online through your Sears card 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 prefer to keep a paper record.
If you have a Sears MasterCard or Sears Visa (issued through Citi), the payment address and phone number appear on your monthly statement. Do not send payment to a Sears store location — mail payments must go to the Citibank processing center listed on your bill.
Key Takeaways
- Online payment through your Sears card portal is the fastest method and posts within one to two business days.
- Phone payments can be made by calling the number on your statement, and the payment posts the same day if you call before the cutoff time.
- Mail payments take seven to ten business days to reach the processing center, so send them at least two weeks before your due date.
- In-store payments at Sears locations are accepted but take longer to post than online or phone methods.
- Your minimum payment and due date appear on your statement; paying only the minimum does not stop interest charges on your balance.
Paying online through your Sears card account
Log in to your Sears card account at the Citi website or through the Sears website if you have a Sears-branded card. Once logged in, look for a "Make a Payment" or "Pay My Bill" button, usually on the account dashboard. Enter the amount you want to pay, select the date you want it to post, and confirm the payment method (bank account or debit card).
Online payments typically post within one to two business days. If you are close to your due date, make the payment at least two business days early to may support it arrives on time. Citi does not charge a fee for online payments made from a bank account, but some cards may charge a fee if you pay with a credit card or debit card — check your account before you submit.
Keep a screenshot or confirmation number from the payment screen. Citi sends a confirmation email, but the confirmation number on the website is your when ready proof that the payment was sent.
Paying by phone
Call the customer service number on the back of your Sears card or on your statement. A representative will ask for your card number, the amount you want to pay, and the bank account or debit card you want to pay from. The payment posts the same day if you call before the cutoff time, which is usually 8 p.m. Eastern time on business days.
Phone payments are free. Write down the confirmation number the representative gives you and note the date and time of the call. Ask the representative to confirm the exact date the payment will post, since same-day posting depends on when you call and your bank's processing schedule.
Paying by mail
Write a check or money order payable to Citibank or Sears (check your statement for the exact payee name). Include your Sears card number on the check. Mail it to the address listed on your statement under "Payment Address" — this is different from the Sears corporate address and is a Citibank processing center.
Mail payments take seven to ten business days to arrive and post. Send your payment at least two weeks before your due date to avoid a late payment. Keep a copy of the check or a photo of the front and back for your records. If you need to confirm the payment arrived, call customer service after ten business days and provide the check number and amount.
Paying in person at a Sears store
Some Sears locations accept credit card payments at the customer service desk. Call your local store before you go to confirm they accept payments and what hours the desk is open. Bring your Sears card and the amount you want to pay in cash or debit card.
In-store payments take longer to post than online or phone payments — typically three to five business days. You will receive a receipt at the time of payment, but this is not a confirmation that the payment has posted to your account. Check your account online a few days later to confirm the payment went through.
What happens if you miss your due date
A payment is late if it does not post by 5 p.m. Eastern time on the due date. Citibank charges a late fee (the amount varies by card terms) and reports the late payment to credit bureaus if it is 30 days past due. Late payments also trigger a higher interest rate on your card, sometimes called a penalty rate.
If you realize you will miss the due date, call customer service when ready. Some representatives can waive a single late fee if you have a good payment history, though this is not may provide. Paying as soon as possible after the due date stops additional late fees from accumulating, but the damage to your credit report has already occurred.
Understanding your statement and payment options
Your Sears card statement shows three key numbers: the new balance (what you owe), the minimum payment (the smallest amount you must pay), and the due date (when payment must post). Paying only the minimum does not stop interest from building on the remaining balance — interest accrues daily on any amount you do not pay in full.
If you carry a balance, paying more than the minimum reduces the total interest you pay over time. A payment calculator on the Citi website shows how long it will take to pay off your balance if you pay only the minimum, and how much interest you will pay. Paying the full balance each month avoids interest charges entirely.
Frequently Asked Questions
Can I set up automatic payments on my Sears card?
Yes. Log into your Sears card account online and look for "Autopay" or "Automatic Payments" in the settings menu. You can choose to pay the full balance, the minimum payment, or a fixed amount each month on your due date. Automatic payments post from your bank account and are free.
What if my payment was rejected?
If you paid online or by phone and the payment was rejected, Citi sends a notice to the email or phone number on file. Common reasons include insufficient funds, an expired bank account, or a mismatch between the name on your account and your bank account. Log into your account or call customer service to see the rejection reason and resubmit the payment.
How long does it take for a payment to show up in my account?
Online and phone payments post within one to two business days. Mail payments take seven to ten business days. In-store payments take three to five business days. Business days do not include weekends or federal holidays. If a payment does not appear after the expected time, contact customer service with your confirmation number.
Can I pay my Sears card at a Sears store using a different payment method?
In-store payments are typically accepted in cash or debit card only. You cannot pay with another credit card at the store. If you want to pay with a credit card, use the online portal or call the customer service number on your statement.
What if I overpay my Sears card?
If you pay more than your balance, the extra amount becomes a credit on your account. You can use this credit toward future purchases, or you can request a refund by calling customer service. Refunds are mailed as a check and take one to two weeks to arrive.