About Sears Credit Card

What You Need To Know About The Sears Credit Card

About Sears Credit Card-If you love to shop at Sears department stores, then you should consider one of their credit cards to benefit from savings. Even though these cards generally have a higher interest rate, you will be able to see an overall savings when you pay the full balance monthly. Applying to get a Sears card is quite simple, but getting approval might not be so easy for individuals with sub-standard credit score.

Sears Credit Card

1. Determine the type of card you want

Sears provides different types of card to businesses and consumers. In the event that you do not know which of the cards to get, then its best to make an application and if you're approved you definitely will get the best suited credit card based on your creditworthiness.

2. Submit an application at the store counter

The clerks in the store will take your credit application and you could even get an immediate response. In case you are get approval you could be able to utilize the credit right away, but if you are not approved a response will be mailed to you detailing the reason for your refusal. You should not freak out if the clerk is not ready to give you an immediate approval, since from time to time the inquiry system might be down so the credit decision cannot be made at that moment.

3. Fill out the application form and then mail it to the store

This will be a good alternative for somebody who is not comfortable to stand at the counter and give their personal details to a sales person. This approach will take more time than additional options, but it's still a good choice.

4. Apply online

You can get an instant approval when you make the application online. These cards are generally given via Citibank, so their website will accept the approval for the card rather than Sears's site, which means you have to apply for the right card.

Another option would be to make applications over the phone. However, you should be prepared to provide information about your finances.

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