Where to send your Sears credit card payment
Sears credit card payments go to Citibank, which manages the account on Sears' behalf. You have three main ways to pay: online through your Citi account, by phone, or by mail. The online method is fastest and shows in your account within one business day. Phone payments take the same time but require you to speak with a representative. Mail payments take 7 to 10 business days to post, so send them well before your due date to avoid late fees.
Your payment coupon or statement shows a mailing address specific to your account type. Do not mail payments to a Sears store or Sears corporate office — they will not reach Citibank and your account will show as unpaid. If you cannot find the mailing address on your statement, call the number on the back of your card.
Key Takeaways
- Sears credit card payments are processed by Citibank, and you can pay online, by phone, or by mail depending on what works for your schedule.
- Online and phone payments post within one business day, while mail payments take 7 to 10 business days, so plan ahead if you use the mail.
- Your payment due date is printed on your statement, and paying after that date triggers a late fee even if the payment is in transit.
- You can set up automatic monthly payments through your Citi account to avoid missing a due date.
Paying online through your Citi account
Log in to your Citi account at citi.com or through the Citi Mobile app. Click "Pay" or "Make a Payment" and select your Sears card from the account list. Enter the amount you want to pay — you can pay the full balance, the minimum due, or any amount in between. Choose your payment date (same-day or future date) and confirm the details before submitting.
Online payments are free and show in your account when ready, though the transaction may take one business day to fully post. If you pay after 8 p.m. Eastern Time, the system may process it the next business day. Keep a record of your confirmation number in case you need to verify the payment later.
Paying by phone
Call the number on the back of your Sears credit card to reach Citibank's payment line. Have your card number and the amount you want to pay ready. A representative will confirm your identity, process the payment, and give you a confirmation number. Phone payments are also free and post within one business day.
The phone line is open during standard business hours, typically 8 a.m. to 8 p.m. Eastern Time, Monday through Friday. If you call outside these hours, you can still use the automated system to make a payment without speaking to anyone.
Paying by mail
Write a check or money order for the amount due and include your account number on the check. Use the payment coupon from your statement if one is included — it has your account number printed on it and helps the payment reach the right account faster. Mail your payment to the address shown on your statement or coupon.
Mail payments take 7 to 10 business days to arrive and post. Your due date does not change based on when you mail the payment, so send it at least 10 days before the due date to be safe. If your payment arrives after the due date, you will be charged a late fee even though you mailed it on time. Keep a copy of your check or a photo of the money order receipt for your records.
Setting up automatic payments
You can arrange for Citibank to automatically deduct your payment from your bank account each month. Log into your Citi account, go to "Settings" or "Manage Account," and select "Automatic Payments." Choose whether you want to pay the full balance, the minimum due, or a fixed amount each month, and pick your payment date.
Automatic payments remove the risk of forgetting a due date and triggering a late fee. You can change or cancel the arrangement anytime through your account. If your balance varies month to month, paying the full balance automatically ensures you do not carry interest charges.
What happens if you miss a payment
A payment is considered late if it does not post by 11:59 p.m. Eastern Time on your due date. Citibank charges a late fee (the amount varies but is typically $25 to $40 for the first late payment) and reports the late payment to credit bureaus after 30 days. A single late payment can lower your credit score by 50 to 100 points depending on your current score.
If you realize you will miss a due date, contact Citibank when ready. Some representatives can waive a late fee if you have a good payment history, though this is not may provide. Paying as soon as possible after the due date limits the damage to your credit, but the late payment will remain on your report for seven years.
Frequently Asked Questions
Can I pay my Sears credit card at a Sears store?
No. Sears stores do not process credit card payments. You must pay through Citibank online, by phone, or by mail. Attempting to pay in a store will not post to your account and you may be charged a late fee.
What if I pay online but the payment does not show up?
Check your Citi account to confirm the payment was submitted — sometimes a browser error prevents the final confirmation. If you submitted it, the payment will post within one business day. If you cannot find a record of it, call the number on your card to verify the payment went through.
Can I pay more than the minimum to pay off my card faster?
Yes. You can pay any amount up to your full balance whenever you want. Paying more than the minimum reduces the interest you owe and pays off the card faster. There is no penalty for paying early or paying in full.
What is the difference between my due date and my statement date?
Your statement date is when Citibank closes your billing cycle and calculates what you owe. Your due date is when that payment must post to avoid a late fee — usually 21 to 25 days after your statement date. Both dates appear on your statement.
Do I have to pay the full balance or can I pay just the minimum?
You can pay any amount from the minimum due up to the full balance. Paying only the minimum keeps your account current but leaves the rest to accrue interest. Paying the full balance avoids interest charges entirely.