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Commentaries |
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Credit Card Commentaries |
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Sears Gold MasterCard®
Issued by Citibank |
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| Total Posts: 217 |
Average Rating:
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Category: Regular |
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Showing 1 - 10 of a total of 217 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 | 191-200 | 201-210 | 211-217 |
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| "Outrageous Interest Rate" |
| I have watched the interest rate go beyond 25%. At least customer service was honest when they said it is the standard rate and in no way reflects a penalty. Citibank behind the Sears name to charge unreasonable rates. |
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| Most attractive feature: A highest rating of 1.5 is an indicator there is no feature worthy of "best". |
| Least attractive feature: The interest rate. |
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| Posted by: LS |
| Date: 4/30/2012 |
Recommend?  |
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This person does not recommend this card.
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| "A charge for zero balance" |
| I have never used my sears citibank card yet have been charged $25 for a zero balance!!! HUH???? I called to cancel the card and thought everything was taken care of. I then received another bill but this time w/late charges on top of the original $25!!! I called again to explain my situation and to get these outrageous charges withdrawn. Again I was told that everything was taken care of, that my account was closed and that I owed nothing. Today I received yet another bill from Citibank and now the bill is up to $89.00!!! Does anyone have any advice on what to do, i.e legal steps, etc? I owe these creeps NOTHING and will pay them NOTHING!!! |
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| Most attractive feature: ABSOLUTELY NOTHING!!! |
| Least attractive feature: EVERYTHING!!! STAY AWAY FROM CITIBANK. THEY ARE SCAM ARTISTS. |
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| Posted by: Jenlyn |
| Date: 11/25/2011 |
| Recommend? |
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This person does not recommend this card.
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| "Customer Service-horrible" |
| I'm from NJ and purchased a Sears MasterCard at Sears department store and was told I would receive the card within 10 to 15 business days, and I had made a small purchase when I opened the card. I began calling about exactly 11 business days after I hadn't received the card, I was told it should be there any day. After numerous calls, almost 2 months later I finally reached someone who informed me that the card was not sent out for some reason and it would be here within 5 business days. A few days later, I received my account information but no card, saying my minimum payment was due the day I received the statement! I called customer service once again, they were extremely rude to me, they had no answer as to why I had not received my card yet but that I needed to pay my min. payment over the phone at that time to avoid a late fee. I asked why they could send the statement but not the card, no answer, didn't try to reason with me at all, just said you'll have a late fee if we don't receive this payment now. I have never experienced this issue with ANY other customer service company, very rude, couldn't explain to me why I hadn't received my card yet. The last person I spoke to who had said this was apparently "Kendra" whose ID number was "46", not even sure if this was her real name/number. |
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| Most attractive feature: Able to open the card at the store |
| Least attractive feature: Customer Service and not receiving the card |
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| Posted by: Michael |
| Date: 11/7/2011 |
| Recommend? |
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This person does not recommend this card.
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| "Don't Get Mad at Sears" |
I mainly wanted to post a review to tell everyone not to be mad at Sears for their bad experience with their MasterCard. It's not Sears' fault, it's Citibank...so all of you who are saying you'll never shop at Sears again are just being silly.
Sears is a great store...but Citibank is pretty awful. They've closed many people's accounts for no real reason, other than a couple months of inactivity (mainly that's with their co-branded gas cards though).
And yes, obviously there's a high interest rate, but that's nothing personal...so to the people who are saying they have good credit and always pay off their balance every month, that unfortunately won't affect the interest rate because they just have the same interest rate for all their customers if it's a store or gas co-branded card. If it's a MasterCard from a regular bank or credit union, that's when they're able to lower your interest rate if you pay off your balance, etc.
So, in conclusion, please stop blaming Sears and taking the high interst rate personally. It's just Citibank and the way things are currently work when they have co-branded cards. |
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| Most attractive feature: As a cardholder you get free access to your credit score. |
| Least attractive feature: High interest rate for those that carry a balance, terrible customer service. |
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| Posted by: Val |
| Date: 10/23/2010 |
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This person does recommend this card.
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| "interest rate" |
| we obtained this sears cards over 35 years ago. the interest rate has gone from 12.9 to 21.9 to 25 with never a late or missed payment. Citibank will not discuss a lower interest rate at all. paying off balance asap and will never buy anything at sears again |
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| Most attractive feature: none |
| Least attractive feature: high, high interest rate |
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| Posted by: Ann |
| Date: 10/15/2010 |
| Recommend? |
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This person does not recommend this card.
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| "Do not get this card." |
| The people at Citibank who administer the Sears Gold Mastercard do not know what they are doing. The company needs to get people who are professional and can do their job. They used to offer 0 payment with 0% financing specials and we bought a bed under that program, according to the store clerk. Instead they said a month later that they no longer have that program, that you now have to make a payment each month, instead of being able to wait until the end. Fine, no problem, I authorized a payment that would have the bed paid off before the end of the 0% period. I also authorized in July an auto payment to be drawn each month from my checking account. I get a letter in showing the payment has gone through and the bank statement shows it withdrawn. It is set to autodraft each month. Then I get a phone call in September to say that my account is past due. When the account person checks, he tells me that he has found the mistake Citibank made on my account and is correcting it. He apologizes for the error and tells me it is now straight. Problem solved, right? Wrong, the next week I get another phone call saying that my account is past due, then I explain the situation, the account person gets really rude acting like it is not possible that they have made a mistake. Until he checks then says he does see the problem and will correct it, but he won't give me his operator number and hangs up the phone when I repeat my request for his operator number. Then on 9/21, operator #GCO9767 calls me to say that my account is past due. You are really kidding me right? I tell this operator that I cannot believe they cannot get this simple matter corrected. By this point, my husband has received 4 phone calls that day for me, where the person tells him he/she cannot tell him the reason for the phone call. So then he is mad when I get home, wanting to know what account is past due, because he knows that must be what the phone calls are about. The operator gets a supervisor, puts me on hold, looks at the account, and tells me that he is so sorry, that this is completely Citibanks fault, but that the internal account error has been fixed and promised that there will not be any more phone calls. Finally! Not exactly, the phone rings on 9/26 with an account person calling about my past due account. I tell this person that I will not speak to anyone but a supervisor, so #CO4242 gets on the phone and looks over the account. She discovers that someone did not click the correct button on the drop down menu to indicate that the money is autodrafted from a checking account. She gives me alot of excuses about a new computer system that they are trying to learn. I told her that the previous person said I would never get another phone call about this matter, which I told him at the time that I did not believe this, since there had been a problem since July that they could not seem to figure out. The supervisor then tells me that no one should make a guarantee like that to a customer. Yes, I told her, Citibank should absolutely be able to make a guarantee to their customers that they will receive a solution to their problem. Problem fixed, right? No, my phone rang this morning at 10:30 AM with a Citibank person. I hung up and am paying the complete balance, then cutting up the card to mail back to Citibank. |
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| Most attractive feature: Nothing |
| Least attractive feature: Customer service is absolutely terrible; staffed with people who are rude. |
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| Posted by: MW |
| Date: 10/3/2010 |
| Recommend? |
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This person does not recommend this card.
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| "Don't get this card" |
| Recently got the card. At the store, the sears CSR told, there will not be any charge & finally when i recieved my card there is a charge of 59$. Called the customer care & told about the scenario & they won't listen. Very harsh. Finally have to close the card with no other option. |
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| Most attractive feature: No Best feature
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| Least attractive feature: exorbitant Annual fees |
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| Posted by: nandakumar |
| Date: 9/29/2010 |
| Recommend? |
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This person does not recommend this card.
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| "HIWAY ROBBERY" |
| I realized, too late, that I have been paying 25% interest for several months, and 21% before that!! I wasn't aware, because of paperless statements, and because I wasn't paying enough attention. I called and asked for a lower rate and was told they couldn't give me one - until I said I wanted to close my account, at which time they transferred me to a woman who said yes, she COULD lower my rate - to a whopping 19 PERCENT!! It would save me about $20 a month in interest, she said, as if that was reason enough! I told her I was used to transfer balance rates of ZERO and would not consider keeping the account. STAY VIGILANT, PEOPLE!! |
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| Most attractive feature: High credit limit |
| Least attractive feature: 25 PERCENT INTEREST RATE!!! |
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| Posted by: BabyBear |
| Date: 8/2/2010 |
| Recommend? |
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This person does not recommend this card.
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| "Credit changes" |
I am a customer and Sears credit card holder for several years, made payments on time and have a good credit history. about 2.5 years ago Sears credit card raised my available credit to $9,800 and yesterday I received a letter that this credit changed to $2,800. No late payment, good credit history = no real reason other than bad customer service from Sears credit card.
I know that I will pay down the balance (a 0%) and than cancel my card and Sears had me and my family as a customer |
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| Most attractive feature: It was good, but changed and customer service is getting worse. |
| Least attractive feature: They change your available credit without any valid reason |
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| Posted by: Dachs |
| Date: 6/29/2010 |
| Recommend? |
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This person does not recommend this card.
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| "Run dont get this card! " |
| I have been a Sears Master card holder for over 9 years when I was a first card holder my interest rate was only 10% now they upped it to 23% they asked me 9 years ago if i wanted to get joint the rewards program I told them no.. they said its only 30 dollars a year, I said no.. I find out that they charged me 30 x 9 years and stole money from me. they said how do we know you really said "no" to the 30 dollars a year I said did I ever use any points with the 50k I spent in the 9 years? they said no you didnt.. they only took off 3 years after fighting with them for 2 hours etc. They are dishonest, Sears use to be a great store for the family I use to take my family there for everything but today sears is disgusting JCPenneys is the new Sears, I only go into Sears to pay my credit card bill then leave. After I pay my remanding 1k I will put cancel the card. Please do not get this card! Sears is not the trust worthing store it was in the 80's it has reached a new low. |
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| Most attractive feature: Sears Master Card has no good features with this card with a 23% interest rate. |
| Least attractive feature: There is not one good thing about this credit card company |
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| Posted by: Adam |
| Date: 6/29/2010 |
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This person does not recommend this card.
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Showing 1 - 10 of a total of 217 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 | 191-200 | 201-210 | 211-217
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