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Sears Card
Issued by Sears |
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| Total Posts: 195 |
Average Rating:
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Category: Retail |
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Showing 1 - 10 of a total of 195 Commentaries |
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1-10 | 11-20 | 21-30 | 31-40 | 41-50 | 51-60 | 61-70 | 71-80 | 81-90 | 91-100 | 101-110 | 111-120 | 121-130 | 131-140 | 141-150 | 151-160 | 161-170 | 171-180 | 181-190 | 191-195 |
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| "interest rate" |
| Have a credit score of 836. Never carry a balance. Interest rate 25.24%. Bogus! |
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| Most attractive feature: not much |
| Least attractive feature: interest rate |
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| Posted by: disgusted |
| Date: 4/27/2012 |
Recommend?  |
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This person does not recommend this card.
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| "Sears credit card -do not use" |
| I was two days late with a bill according to their records not mine. They charged me 25 late fee and 2.02 interest fee. when I called the customer service rep he said the fees could not be removed. They not only lost a card customer, they lost a customer. Highly recommend against this card. |
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| Most attractive feature: I did get discounts when I used the card |
| Least attractive feature: Very high fees and unfairly charged
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| Posted by: Amy |
| Date: 3/30/2012 |
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This person does not recommend this card.
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| "Made a Mistake" |
I signed up for Sears Card after the cashier told me I'll get $15 off my $15 purchase (free is good, right?) and they have a points program redeemable for a variety of products.
Big mistake.
My interest is 22% despite my stellar credit score. Even though I pay off the entire balance every month, I still get charged with interest fees. How? I pay a day before the due date. If I make purchases between that period of time, I get charged an interest fee on the due date for a balance that wasn't on my statement the day before. I've never seen any other credit card company do that.
Now as far as the points program goes...they definitely don't count a lot of the dollars that you spent. And honestly, by the time you have enough points to get a $25 giftcard, you've already spent far more than that on interest rates.
This card is not worth it. I made a mistake in signing up for it and hopefully, no one else falls for this terrible money trap. |
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| Most attractive feature: Nothing |
| Least attractive feature: Everything |
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| Posted by: S11 |
| Date: 2/19/2012 |
| Recommend? |
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This person does not recommend this card.
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| "They don't care about your business" |
| After 21 years, I cancelled my card. With an 810 credit score, my interest rate was about 24%. Their billing system sucks. I made extra payments because they erroneously e-mailed me misleading notices all the time. They absolutely didn't care when I called to cancel after 2 decades. It's sad what Sears has become. |
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| Most attractive feature: They will up your line of credit just by asking. |
| Least attractive feature: Billing and interest rate are horrible. |
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| Posted by: Keith |
| Date: 12/7/2011 |
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This person does not recommend this card.
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| "The worst card ever" |
This card wants you to default on payment. They do not have auto payment from the bank account feature which is standard in most of the major credit cards. It is manual so you can go to their site and make payment.
I bought a promotional item from sears using this card on 6 month payment with no interest. It did not get recorded as promotional purchase. I had to call them to get deferred payment.
My mistake was to use this card to make regular purchases also. This card does not differentiate the regular and promotional purchase.
Also it does not provide a way to separate regular and promotional payments. Each time you have to call them to say that you made minimum required payment on the promotional purchase. Worst thing, conveniently they do not mention this procedure anywhere.
So for example $100 regular purchase payment and $50 promotional payment. If you make $150 payment, you are essentially making an advance payment of $50 if you do not call them.
When I called customer service regarding this, they had no clue how this works. This was not an isolated incident. It happened multiple times. Finally in two month's time I paid the 6 months promotional purchase bill as well. The hassle was not worth.
I will never buy anything promotional as well as any item from Sears using this card. They can have their 5% saving and enjoy.
Since the incidence I had put the Sears card in an ice block. Not going to use it. Best outcome of this incidence, I do not go to Sears anymore. Money not used, money saved.....
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| Most attractive feature: There is none. |
| Least attractive feature: The customer service - People have no clue about what they do. |
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| Posted by: Mad about it |
| Date: 11/24/2011 |
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This person does not recommend this card.
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| "$25 late fee" |
| I have had a Sears card for many years and was quite satisfied until recently. I always pay before the due date because I pay it electronically through my bank. I generally pay more than the minimum amount due, however back in April I had an occasion to pay the minimum amount and made a mistake and paid $50 instead of $50.05. I was charged a $25 late fee for five cents. Another time my payment was two cents short, but was paid four days before the due date. I called again and the late fee was credited. Why should Sears be allowed to charge a late fee for a few pennies? And if you don't pay the entire amount due including the late fee, you get charged another late fee for being a few dollars short. At one time if you disputed a late fee, you could deduct it from your payment for that month. Sears said that the policy changed a year ago. It seems that Sears is using every method it can to squeeze money from its cardholders. Shame, Shame! |
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| Most attractive feature: Good for use on buying appliances. |
| Least attractive feature: Charges late fees at the drop of a hat. |
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| Posted by: Catherine |
| Date: 10/19/2011 |
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This person does not recommend this card.
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| "WORST CREDIT CARDI" |
| I TRIED TO TALK THEM TO BRING DOWN THE INTEREST OF THE CREDIT CARD SO I COULD MAKE THE PAYMENTS AFTER LOSING JOB AND A DIVORCE .TOLD THEM I WANTED TO DO MY BEST TO PAY THEM .BUT THEY DENIED ALL HELP.ALL I WANTED TO DO MYI BEST PAIYING THEM WITHOUT HAVING MONEY THROWED TO THE AIR.WITH THAT INTEREST ITS IMPOSSIBLE TO COMPLY,WILL HAVE TO CONSIDER OTHER OPTIONS THAT I DIDNT WANT . |
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| Most attractive feature: NONE |
| Least attractive feature: SEARS CREDIT CARD AND CUSTOUMER SERVICE IS THE WORST IF U HAVE ONE CANCELLE ASAP |
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| Posted by: RP |
| Date: 10/6/2011 |
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This person does not recommend this card.
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| "WORST CARD EVER!" |
| Sears card customer service is the worst ever! I never received a bill for an online purchase that I made so I called them to pay my bills. You would think this will be an easy task since all I was trying to do was pay and not purchase anything. WRONG!!! They will try to get your SSN, address, birthday, ask you why you did not receive the bill... (Well if I had known why I did not receive the bill then I wouldn't be calling right?), and, if you don't have your card in your possession, ask you why you don't have it with you (who are you my Dad?). After charging me $15 for an over the phone payment and after ruining my day, I paid off my purchase (which is ALL I wanted to do). Never again will I use that darn card. |
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| Most attractive feature: NONE, IT IS THE WORST CARD EVER! |
| Least attractive feature: EVERYTHING FROM CUSTOMER SERVICE TO OUTRAGEOUS CHARGES. |
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| Posted by: Romeo |
| Date: 7/2/2011 |
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This person does not recommend this card.
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| "Never have this card otherwise be ready to pay late fees " |
| Never have this card otherwise be ready to pay late fees due to their incompetent system and customer care. Customer care is worst. They will never listen you. Worst experience. You have to pay late fees even though you pay the bill ontime. Then customer care will talk with you harshly. I talked with Adam, Supervisor. Supervisor behaves like a CEO of the company. Never listens to you. WORST EXPERIENCE. Will never go to Sears |
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| Most attractive feature: WORST CARD. |
| Least attractive feature: WORST CARD. |
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| Posted by: rks |
| Date: 6/10/2011 |
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This person does not recommend this card.
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| "Beware Fraud Company" |
| Never take sears credit card. They will give you card first. Their systems are not stable. You have to call customer care 100 times to update any info. They will fine you always |
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| Most attractive feature: NONE |
| Least attractive feature: BEware. Fraud Company.Beware of extra charges in terms of Latefees |
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| Posted by: rks |
| Date: 6/9/2011 |
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This person does not recommend this card.
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Showing 1 - 10 of a total of 195 Commentaries
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1-10 | 11-20 | 21-30 | 31-40 | 41-50 | 51-60 | 61-70 | 71-80 | 81-90 | 91-100 | 101-110 | 111-120 | 121-130 | 131-140 | 141-150 | 151-160 | 161-170 | 171-180 | 181-190 | 191-195
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