Where to pay your Sears credit card
Sears credit cards are now issued by Citi, so you pay through Citi's payment system, not through Sears directly. You can pay online at citiaccount.com, by phone at the number on the back of your card, or by mailing a check to the address printed on your monthly statement.
If you have an older Sears card issued before Citi took over the program, the payment method depends on which bank originally issued it. The safest approach is to call the number on the back of your card — the issuer will tell you exactly where to send payment and confirm your account details in one call.
Key Takeaways
- Most Sears credit cards are now issued by Citi, and you pay through citiaccount.com or by calling the number on your card.
- Online payment through Citi's website typically posts within one business day if you pay before the cutoff time, usually 8 p.m. Eastern.
- Mailed payments should arrive at least seven business days before your due date to avoid late fees.
- You can set up automatic payments from your bank account to may support you never miss a due date.
- If your card was issued before Citi took over the Sears program, call the number on your statement to confirm the correct payment address.
Paying online through Citi's website
Go to citiaccount.com and sign in with your username and password. If you do not have an online account yet, you can create one by entering your card number and the last four digits of your Social Security number. Once you are logged in, select "Make a Payment" and choose whether you want to pay the full balance, the minimum payment, or a custom amount.
You can pay from a checking or savings account, or use a debit card. Citi does not charge a fee for online payments made from a bank account. If you use a debit card, a processing fee applies — Citi's website will show you the exact amount before you confirm. Payments made before 8 p.m. Eastern on a business day typically post the next business day.
Paying by phone
Call the customer service number on the back of your card. A representative will verify your identity and walk you through the payment process. You will need your checking account number and routing number if you want to pay from your bank account, or your debit card number if you prefer that method.
Phone payments are free when you pay from a bank account. Debit card payments incur a fee. The representative will tell you the exact amount before processing the payment. Payments made by phone are usually posted within one business day.
Paying by mail
Write a check or money order payable to Citi. Include your account number on the check. Mail it to the address shown on your monthly statement under "Payment Address" — do not send it to a Sears store or the main Citi address.
Mail takes time to arrive and be processed, so send your payment at least seven business days before your due date. If you are cutting it close to the important date, use online or phone payment instead. Keep a record of when you mailed the payment in case there is a delay.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. On citiaccount.com, go to "Manage Autopay" and choose the payment amount — you can set it to the minimum payment, the full balance, or a fixed amount you choose. Select the date each month when you want the payment to come out of your bank account.
You can change or cancel automatic payments anytime through your online account. If you set autopay to the full balance, your payment will adjust each month based on what you owe. This is useful if your balance changes frequently.
What to do if you cannot find your payment address
If you do not have a recent statement, call the number on the back of your card and ask for the mailing address. Do not guess or use an old address — mail sent to the wrong place can be delayed or lost, and you could be charged a late fee even though you sent the payment on time.
If you have an older Sears card and are unsure whether it is still active or who currently issues it, call the number on the card. The issuer will confirm whether the account is open and direct you to the correct payment method.
Late fees and how to avoid them
A late fee is charged if your payment is not received by the due date shown on your statement. The fee amount varies but is typically $25 to $40 for the first late payment. Late payments also damage your credit score and may trigger a higher interest rate on future purchases.
The due date is the date the payment must be received, not the date you send it. For mailed payments, this means you need to account for mail delivery time — sending a check three days before the due date is not safe. Online and phone payments are the fastest way to may support your payment arrives on time.
Frequently Asked Questions
Can I pay my Sears credit card at a Sears store?
No. Sears stores do not accept credit card payments. You must pay online through citiaccount.com, by phone, or by mail to the address on your statement. Some Sears locations may have closed, which is another reason to use Citi's payment system directly.
What if I pay online but the payment does not show up?
Online payments typically post within one business day. If more than one business day has passed and you do not see the payment in your account, log back into citiaccount.com and check the payment status. If it shows as pending, wait one more business day. If it shows as failed, the payment was not processed and you will need to try again.
Is there a fee to pay my Sears credit card online?
No fee if you pay from a checking or savings account. If you use a debit card, Citi charges a processing fee that varies. The website shows the exact fee before you confirm the payment. Phone and mail payments from a bank account are also free.
Can I pay more than the minimum to pay off my card faster?
Yes. You can pay any amount up to your full balance whenever you want. Paying more than the minimum reduces the interest you pay and helps you become debt-free faster. There is no penalty for paying early or paying more than required.
What happens if I miss a payment?
A late fee is charged, usually $25 to $40. Your credit score is also affected. If the payment is 30 days late, the late payment is reported to credit bureaus. If you miss a payment, contact Citi as soon as possible — sometimes they can waive a first late fee if you have a good payment history.