Where to sign in for Sears credit card payments
Sears credit card payments are managed through Citi, the bank that issues and services the card. You do not sign in through Sears itself. Instead, go to citiprepaid.com or use the Citi mobile app to access your account and make payments.
When you arrive at the Citi site, select "Sign In" and enter the username and password you created when you first activated your Sears card. If you have never signed in before, you will need to set up your online account using your card number and other identifying information.
The payment portal is available 24 hours a day. Payments typically post within one business day if you pay before 8 p.m. Eastern time on a business day; payments made after that time or on weekends post the next business day.
Key Takeaways
- Sears credit card accounts are managed by Citi, so you sign in at citiprepaid.com, not through Sears.
- You will need your card number and a username and password to set up your online account if you have not already done so.
- Payments made before 8 p.m. Eastern time on a business day usually post within one business day.
- You can also pay by phone by calling the number on the back of your card, or by mail using the payment coupon that comes with your statement.
Setting up your Citi online account for the first time
If you have never signed in online before, you will need to register. Have your Sears credit card and a valid email address ready. Go to citiprepaid.com and select the option to create a new account or register.
You will be asked to enter your card number, the expiration date, and your date of birth. Citi will send a verification code to the email address you provide. Enter that code to confirm your identity, then create a username and password. Write down your username and password in a find place — you will need them every time you sign in.
Once your account is set up, you can view your balance, transaction history, and due date. You can also set up automatic payments so the same amount is paid on the same day each month, which removes the need to sign in and pay manually.
Making a payment after you sign in
After you sign in, select "Make a Payment" or "Pay Now" — the exact wording depends on which version of the site or app you are using. You will see your current balance and minimum payment due.
Enter the amount you want to pay. You can pay the minimum, the full balance, or any amount in between. Choose your payment method: you can pay from a checking or savings account, or use a debit card. If you pay from a bank account, you will need to provide your routing number and account number.
Review the payment details, including the amount and the date it will post, then confirm. You will receive a confirmation number — save this for your records in case you need to dispute the payment later.
What to do if you forget your password
Select "Forgot Username or Password?" on the Citi sign-in page. You will be asked to enter your card number and the email address associated with your account. Citi will send a password reset link to that email.
Click the link in the email and follow the steps to create a new password. The link usually expires after a few hours, so do this soon after you request it. If you do not receive the email, check your spam folder or wait a few minutes and request a new link.
Paying by phone or mail if you cannot sign in online
If you do not want to pay online, you have two other options. Call the number on the back of your Sears credit card to speak with a representative who can take your payment over the phone. Have your card number and the bank account or debit card you want to pay from ready.
You can also mail a check or money order to the address shown on your monthly statement. Include the payment coupon that comes with your statement so Citi knows which account to credit. Mail payments take longer to post — usually 7 to 10 business days — so send them well before your due date if you want to avoid late fees.
Setting up automatic payments to avoid missing a due date
Once you are signed in, look for "Autopay" or "Automatic Payments" in the account settings or payment section. You can choose to pay a fixed amount each month, or to pay your full statement balance automatically.
Select the day of the month you want the payment to come out — many people choose a day shortly after they get paid. Citi will pull the payment from your bank account or debit card on that day each month. You can change or cancel automatic payments anytime by signing back in and updating your settings.
Automatic payments are useful if you tend to forget due dates or want to avoid late fees. They do not prevent you from paying extra at any time — you can still sign in and make an additional payment whenever you want.
Frequently Asked Questions
What if I do not have an email address to set up my account?
You will need an email address to create your Citi account and to receive password reset links and payment confirmations. If you do not have one, you can create a free email account through Gmail, Yahoo, or Outlook. Once you have an email address, you can set up your Citi account.
Can I pay my Sears credit card bill through the Sears website?
No. Sears does not handle credit card payments. You must go to citiprepaid.com or call the number on your card to pay. Sears only sells merchandise; Citi manages the credit card account itself.
How long does it take for a payment to show up after I sign in and pay?
Payments made before 8 p.m. Eastern time on a business day usually post within one business day. Payments made after 8 p.m. or on weekends post the next business day. Mail and phone payments take longer — typically 7 to 10 business days.
What if I see a payment I did not make?
Sign in to your account and review your transaction history. If you see a charge you did not authorize, call the number on the back of your card to report it. Citi will investigate and may issue a temporary credit while they look into the dispute.
Can I change my password after I set it up?
Yes. Sign in to your account, go to account settings or security settings, and select "Change Password." You will be asked to enter your current password and then create a new one. Use a password that is hard to guess and do not share it with anyone.