sears bills

Sears Bill

What To Do When You Can’t Pay Your Sears Bill

Any one who frequently shops at Sears or buys products online at can save significant amounts of money by charging purchases to a Sears credit card. Promotions are almost always available to Sears card holders, including zero percent interest on certain purchases and additional discounts on sale items. A smart shopper takes advantage of these offers and carefully pays off the credit card’s balance each period to avoid interest charges and late fees. Before committing to monthly payments, however, you should make yourself aware of the policies and actions that go into effect if you become unable to pay your bill for some reason. This credit card is handled by Citibank in partnership with Sears.

How to Pay the Bill

You can pay your Sears credit card bill using any one of the following methods:
person with cash or check at your local Sears location

Online: Card holders can pay your Sears bill online at the Sears online bill payment center, which is found here:

By phone: Toll-free at 1-800-669-8488

By mail at this address:

Sears Mastercard Payments
PO Box 183082
Columbus, OH 43218-3082

Questions About Your Billing Statement or Account?

Sears credit is funded by CitiBank. A brief summary of card benefits and payment fees are available on the Sears Card FAQs page. For detailed questions about your bill, including fees listed on your billing statement, contact Citi customer service at 1-800-950-5114.

How the Penalty Fees Work

  • Late fee: A single missed payment due date results in a late fee of $25.00. During the six billing cycles following the first missed payment, any additional missed payments incur a $35.00 late fee.
  • Returned payment fee: The penalties are identical to those connected with a late fee.

I Can’t Make a Payment

The customer service department for the Sears card seems to receive rather poor reviews from customers when it comes to quick, straightforward answers to questions about billing. Occasionally, billing statements show charge amounts that are not immediately identifiable, leading to questions about the validity of the charges. Customers whose non-payment has progressed to the point of debt collection report that they were unable to make it past the phone system’s basic customer service department. Difficulty in reaching agents that might be able to help you set up an alternative payment plan means that defaulting on this credit card carries the serious risk of legal action by the card holder.

It may be helpful to note that the terms and conditions of this credit card includes an arbitration agreement. This agreement, increasingly common in credit card policies, states that any disagreement between the borrower and the lender will be settled in arbitration instead of the court system.

Will They Work With Me to Pay My Bill?

We would like to supplement the information on this page with real stories from real people like you. Have you had a positive or negative experience with the Sears credit card customer service department? If so, please consider sharing it with us so that we can pass it on in order to benefit others.

3 Comments on “Sears Bill
  1. I ask that my bill is reviewed. I ask that all the 35 dollar late fees are taken off. I ask that it is then noticed that my bill should not have been no more then 60 dollars. I left open not knowing I’d be charged 35 dollars a month. I do not feel that the charges should have gone to this extent. I have in good faith spoke to several people with no resolution. I will pay this account out as promised. I feel I have a responsible bill of 60 plus but the late fees; I feel is unjustified. Had I known about the constant 35 dollar late fees charged monthly I would have tried to resolve. I thought to have a card in case of emergencies. I’ve been disappointed with this whole ordeal and hope that a mutual understanding will be an end result.
    MaryAnn Mason

  2. I sent a payment to your post office address since it was the address I have, but it needs to go to Arizona. I noticed after almost two weeks it hasn’t been cashed for credit on my account so please tell me where it is if you didn’t send it to Az. They are aware of the mix-up. I am waiting to hear from you.

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