Sears Gold MasterCard® Reviews

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Credit Card Commentaries

Sears Gold MasterCard®
Issued by Citibank

Total Posts: 206

Average Rating: 1.8

Category: Regular

Showing 1 - 10 of a total of 206 Commentaries

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"to william rhodes ceo--citi bank/sears"

i have had a sears card since 1969--current card is a gold choice rewards--i have never been late with a payment--i retired from formally sears owned allstate after 34 years--if i wanted to cause a problem i would have run up the charge as high as possible. this card has had a zero balance for many years.today i received a cancellation notice. my credit report is sighted as the reason. i have made a consious decision upon atty advise, to get out of 2 investment property mortgages.this means court cases on both.
i would ask that a live person review specifics an a personal decision be made,instead a 41 yr customer is treated very poorly

Most attractive feature: none

Least attractive feature: see below

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Posted by: frank

Date: 1/20/2010

Recommend?

This person does not recommend this card.

"Sears gold master card"

I have had a Sears card since 1976.I used it to make purchase for tools and appliances. But as long as Sears is associated with Citibank i have no desire to shop at Sears or use that card for any reason

Most attractive feature: None

Least attractive feature: A company like Sears has to be associated with Citibank

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Posted by: Buster

Date: 12/21/2009

Recommend?

This person does not recommend this card.

"Un-Happy"

I believe the last post is from someone working for the credit card industry. It's mighty convient to blame all these problems on the little guy, but the issue isn't that easy at all as Mr. Happy would have you believe. Fact is, the credit card companies are the only companies that can change the terms of sale, AFTER the sale has happened. I do agree that there are too many people living beyond their means and trying to keep up with the Jones'. But another fact is that Americans are the most marketed to culture in the world. And it's not by mistake. They want you to get into a cycle of debt so they can charge more fees and higher interest rates and take advantage of your situation, just to put more money in their pockets. Now with the great recession looming it's not that easy just to say "pay your bills on time" as Mr. Happy says. The deck was stacked against us all along, most just didn't realize it.

Most attractive feature: None

Least attractive feature: Modern day loan sharks

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Posted by: Un-Happy

Date: 11/25/2009

Recommend?

This person does not recommend this card.

"Whose fault is it really??"

I have read many of the reviews. I find it fascinating that many of you are blaming Citibank for your own lack of financial restraint. Your over-the-limit fees, late fees and problems with representives not willing to work with you are problems you created. Here is some advice: make sure you mail the payment plenty of time in advance (better yet-pay online)and be thrifty and do not go over your limit.

Most attractive feature: Rewards

Least attractive feature: none

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Posted by: Happy

Date: 11/20/2009

Recommend?

This person does recommend this card.

"Citibank = Predatory Lenders"

I have been a Sears Gold Card holder since 1988, 21 years. Recently I found out they closed my account, without notice. I complained, but I was told by Patrick Little, from The Office of The President, "Presidential Commications", via letter that "we are unable to override the decision". Apparently I hadn't used my card enough. These predators disgust me. If you want to share your disgust with Patrick Little and Citibank here's his direct phone number:
1-800-733-0815, Ext. 50298. I'll never do business with these predators again.

Most attractive feature: None

Least attractive feature: They cancelled my card without notice.

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Posted by: Pete

Date: 10/16/2009

Recommend?

This person does not recommend this card.

" SEARS GOLD MASTERCARD"

I'VE BEEN A CARD HOLDER SINCE 1979 AND PROBABLY ONCE OR TWICE IN THAT TIME, DID A BALANCE CARRY OVER. I PAY OFF EVERY MONTH I HAVE A BALANCE. RECENTLY RECEIVED A LETTER STATING AN ANNUAL FEE WOULD BE CHARGED OF $45.00. NOW I AM FORCED TO CLOSE MY ACCOUNT AS I'M NOT PAYING $45 YR. FEE. TOOK THIS LETTER TO A LOCAL STORE AND THEY ARE NOT AWARE OR NEVER HAVE BEEN NOTIFIED OF SUCH. IN CHECKING ON LINE, ALL THREE CARDS STATE "NO ANNUAL FEE". SEARS ASSOCIATES ARE GIVING OUT BROCHURES AND NOT AWARE OF ANYTHING AND OF COURSE THE INTEREST RATES ARE ALSO CHANGING. HELP! I DON'T WANT TO HAVE TO CLOSE MY ACCOUNT.

Most attractive feature: I CAN USE IT ANY WHERE MASTERCARD IT ACCEPTED.

Least attractive feature: N/A DID NOT HAVE WORST FEATURE.

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Posted by: KAREN

Date: 9/24/2009

Recommend?

This person does not recommend this card.

"credit rip off"

i initially applied for a sears store card and the associate told me the application was the same. well, it wasn't and i now have a sears mastercard. i recently lost my job and asked for a lower payment (min. due is 66.73-up from 40.00) and was told no. i informed customer service i could pay the 66.00 which i did and i was still charged the 39.00 late fee for the .73 i didn't pay! customer service supervisor-refused to give her name-told me that now my min. due is 105.47 and i must pay it all in full or be charged another 39.00 and then i will be forwarded to collections and they are aggressive about collection methods. i am outraged and offended. this company gets billions for a bailout and they continue to tax me $ over .73?!! this is by far the worse company i have ever dealt with.

Most attractive feature: there would be none

Least attractive feature: that would be everything

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Posted by: roxie

Date: 7/28/2009

Recommend?

This person does not recommend this card.

"Sears Gold Master Card"

I contacted them to try to set up a payment plan for my credit card because of decreased income. The woman, Cheryl, was totally rude & told me they did not have any plans to help people like me and that I should get another job--I will never pay them another penny--they can hound me to the gates of Hell! Do not get one of these cards if you don't already have one.

Most attractive feature: None that I know of.

Least attractive feature: Uncooperative & rude. 30% interest rate & they wouldn't drop it even a %.

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Posted by: Lacey

Date: 5/20/2009

Recommend?

This person does not recommend this card.

"payment"

they say they mail the bill the same day its posted. but that means it takes 11-15 days to get to me. they tried to blame the post office, but this is every bill they send and it is the only bill that is late. every month i have 5-7 days from time i get it until they post. they tell me this takes 7-10 days, but i have 5-7. my only option is to pay online,which i don''t like doing. for this reason, i am switching card companies.

Most attractive feature: na

Least attractive feature: every month my bill arrives around 5-7 days before payment is due back to them.

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Posted by: julie

Date: 1/14/2009

Recommend?

This person does not recommend this card.

"reward refund very untimely"

In the past I have enjoyed this card. Lately the time between statement cutoff and due date has been reduced. I get the statement in the mail with the due date being just days away.

I booked an air ticket reward and the airlines cancelled the flight. The ticket cost was $900, so I paid $400 out of pocket since they limit the price at $500, and used 25,000 rewards points. The airlines sent me a letter confirming they had given the credit back to the Citi. I have called and emailed Citi on several occasions since I have not received my $, *or* points back on my account. I was told I must wait 60 days after they get the credit from the airlines before they will even look into it. I am beyond annoyed...they post charges in an instant, but it takes over 60 days to get a credit back. This is pure BS.

Most attractive feature: Reward points add up quickly

Least attractive feature: Bills received only days before due...no way to pay in mail and be on time.

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