Where and how to pay your Sears Mastercard
You can pay your Sears Mastercard through Citi's online payment portal, by phone, by mail, or in person at a Sears store. The fastest route is online through the Citi website or mobile app — payments typically post within one business day. If you prefer to speak to someone, Citi's customer service number is on the back of your card.
The mailing address for payments is printed on your monthly statement. If you pay by mail, allow 7 to 10 business days for the payment to reach Citi and post to your account. In-store payments at Sears locations are processed when ready but are less common now as store locations have closed; call ahead to confirm your local store still accepts them.
Key Takeaways
- Online payment through Citi's website or app is the fastest method and posts within one business day.
- Phone payments can be made by calling the number on your card, and you will need your account number and payment amount ready.
- Mail payments take 7 to 10 business days to post, so send them early if your due date is approaching.
- Your monthly statement shows the payment address, due date, and minimum payment amount due.
- Late fees and interest charges begin if your payment does not post by the due date shown on your statement.
Paying online through Citi
Log in to your Citi account at citi.com or use the Citi Mobile app. Select your Sears Mastercard from your account list, then choose "Make a Payment." You can pay the full balance, the minimum payment, or any amount in between. Enter the payment amount and confirm the date you want the payment to post.
Citi allows you to schedule payments in advance, which is useful if you want to automate your payment on the same day each month. You can set up a one-time payment or a recurring payment that repeats monthly. If you set up recurring payments, you can change or cancel them at any time through your account settings.
Paying by phone
Call the customer service number on the back of your Sears Mastercard. A representative will ask for your account number, the payment amount, and the bank account or debit card you want to pay from. Phone payments are processed when ready, though they may take one business day to post to your account.
There is no fee to pay by phone. Have your statement or account number ready before you call, as the representative will need it to locate your account. If you are calling outside business hours, an automated system may allow you to enter your payment information directly.
Paying by mail
Write a check or money order for the amount you owe and mail it to the address shown on your statement. Include your account number on the check. Mail payments take 7 to 10 business days to arrive and post, so send your payment at least two weeks before your due date if you want to avoid a late fee.
Keep a copy of your cancelled check or money order receipt for your records. If your payment does not post within 10 business days of mailing, contact Citi customer service to confirm they received it. Payments sent after the due date will incur a late fee even if they are in transit.
Understanding your due date and minimum payment
Your due date appears on your monthly statement and is typically 21 to 25 days after your statement closes. The minimum payment is the smallest amount you can pay without triggering a late fee. Paying only the minimum means the rest of your balance carries forward and accrues interest at your card's annual percentage rate (APR).
If you pay less than the minimum by the due date, Citi will charge a late fee and may report the missed payment to credit bureaus. If you cannot pay by the due date, contact Citi before the date arrives to discuss your options — some cardholders can request a due date change or a temporary hardship plan.
What happens if you miss a payment
A payment is considered late if it does not post by 11:59 p.m. on your due date. Citi will charge a late fee, which varies based on your account history and the amount owed but typically ranges from $25 to $40 for the first late payment. Your interest rate may also increase if your account terms include a penalty APR.
After 30 days past due, Citi may report the late payment to the three major credit bureaus (Equifax, Experian, and TransUnion), which will lower your credit score. After 60 days past due, the card issuer may freeze your account and prevent further charges. If the account reaches 180 days past due, Citi may charge off the account and sell the debt to a collection agency.
Setting up autopay to avoid missed payments
The easiest way to may support you never miss a payment is to set up automatic payments through Citi's website or app. You can choose to pay the full balance, the minimum payment, or a fixed amount each month on a date you select. Autopay deducts the payment directly from your bank account on the scheduled date.
If your income varies month to month, you can set autopay to pay the minimum and then make additional payments manually when you have extra funds. You can pause or cancel autopay at any time if your circumstances change. Review your bank account to confirm the payment went through, especially the first time you set it up.
Frequently Asked Questions
Can I pay my Sears Mastercard at a Sears store?
Some Sears locations still accept in-store payments, but many stores have closed. Call your local Sears before visiting to confirm they offer this service. In-store payments post when ready, but online or phone payment is faster and available 24/7.
What if I pay online but the payment does not show up right away?
Online payments typically post within one business day. If more than one business day has passed and the payment still does not appear, log into your Citi account and check the payment status. If the payment shows as pending, wait one more business day. If it shows as failed, contact Citi customer service to find out why.
Can I pay my Sears Mastercard with a credit card or another card?
Citi does not allow you to pay your Sears Mastercard with another credit card. You can pay with a debit card, bank account transfer, or check. Paying with a debit card or bank account is the fastest method and avoids the fees that some payment processors charge for credit card payments.
What is the difference between the due date and the statement closing date?
Your statement closing date is when Citi stops counting charges for that month and generates your bill. Your due date is when payment must post to avoid a late fee, usually 21 to 25 days after the closing date. Charges made after the closing date appear on your next statement.
If I pay more than the minimum, does the extra go toward my balance?
Yes. Any amount you pay above the minimum goes directly toward reducing your balance. Paying more than the minimum lowers the interest you owe on the remaining balance and helps you pay off the card faster.