Sears Credit Cards - The Lowdown!

Sears Credit Cards - The Lowdown!-Making your Sears credit card payment online is perhaps one of the easiest and most convenient ways to pay off your credit card debt. It saves you from a lot of hassle and saves the time it would take you to visit your bank or the post office. Ever since Sears handed its credit cards operations over to Citigroup, online payments and their other facilities have become even faster and better. Imagine how much time you would save if you could pay all your bills online with just a few clicks.

All card payments made online go directly to Citigroup, who then manage and transfer those funds to Sears. All you need to do is register for online account management for your Sears credit card from the Citibank website and you are done. You can then access a control panel to manage your account payments and information. You will need your social security details, billing information, an email address, your Sears MasterCard information, and your three-digit security code for registration.

Sears credit cards might sound like they are only good for shopping at their stores, but they can actually be used online and even at some other stores. Sears cards also come with 24-hour customer service, safeguards against fraud, identity theft, and even payment protection in case of unemployment or death.

They offer four types of cards: a standard Sears credit card, a MasterCard, a Commercial One Card and a Sears Home Improvement Account. These cards can be used at all Sears stores, as well as Kmart, Lands End and The Great Indoors outlets and websites, while the Home Improvement Account has been designed for people who are planning large home improvement and DIY projects. The Commercial One card, as the name suggests, is for commercial tools and use.

Among other things, you can easily make additional Sears credit cards for your family members without extra cost. You also get better warranties and returns are easier too, since you do not have to bring your receipt if you have brought your Sears card. Moreover, the Sears MasterCard does not come with a membership fee and you earn rewards for each dollar that you spend. The commercial use cards do not have an annual fee either while the Home Improvement Account gets you easy monthly payments for your renovations and extensions.

However, the key feature of these cards is the security. All Sears credit cards are covered by Citibank's identity theft solutions, while the MasterCard comes with Purchase Assurance, extended warranty coverage and the Sears Choice Rewards program. Additionally, you can also sign up for AccountCare, which cancels your minimum monthly payment or balance up to a specific amount if you lose your job, are on leave of absence, or are hospitalized.

Sears also offers Fraud Early Warning, $0 Liability, and Citi Identity Theft Solutions as well. These features make these cards great for online shopping as the cardholder is protected against unauthorized charges, identity theft, and even online phishing.

Sarah Aslam

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