Where to log in to your Sears credit card account
Sears credit card payments are managed through Citi, the bank that issues the card. You do not log in through Sears itself. Instead, go to citiprepaid.com or citi.com and select the option to log in to your Sears card account.
When you reach the login page, enter your username and password. If you do not have a username yet, you will need to set one up before you can make a payment online. The setup process takes a few minutes and requires your card number, Social Security number, and date of birth to verify your identity.
If you have forgotten your password, click "Forgot Password" on the login page. Citi will send a reset link to the email address on file with your account. Check your spam folder if you do not see it within a few minutes.
Key Takeaways
- Log in through Citi's website, not Sears, because Citi is the bank that manages Sears credit card accounts.
- You can pay your balance in full, make a minimum payment, or pay a custom amount from your online account.
- Payments made before 8 p.m. Eastern time on a business day usually post the same day; weekend and holiday payments post the next business day.
- If you do not have online access set up, you can pay by phone at the number on the back of your card or by mail using the payment stub on your statement.
Steps to make a payment online
Once you are logged in, look for a "Make a Payment" or "Pay Now" button on your account dashboard. Click it to start the payment process.
You will see your current balance and be asked how much you want to pay. Choose one of these options: pay your full statement balance, pay the minimum amount due, or enter a custom amount. Select which bank account the payment should come from if you have more than one on file.
Review the payment amount and the date you want the payment to post. Citi will show you the expected posting date based on when you submit it. Confirm the details and submit the payment. You should see a confirmation number on screen and receive a confirmation email within a few minutes.
Payment posting times and what to expect
Payments submitted before 8 p.m. Eastern time on a business day (Monday through Friday, excluding federal holidays) usually post to your account the same day. Payments submitted after 8 p.m. or on weekends and holidays post on the next business day.
Even after a payment posts, it may take one to two business days for the funds to leave your bank account. This delay is normal and does not mean the payment did not go through. Your Citi account will show the payment as posted when ready, but your bank's records may lag behind.
If you are close to a due date and worried about timing, submit your payment at least two business days early. This gives you a buffer in case of unexpected delays.
Paying by phone or mail if you cannot use the website
If you do not want to set up online access or prefer to pay by phone, call the number on the back of your Sears credit card. A representative can take your payment over the phone using your bank account information or another payment method. Phone payments are available 24 hours a day, 7 days a week.
To pay by mail, write a check or money order and send it to the address shown on your statement's payment stub. Include your account number on the check so the payment is credited correctly. Mail payments take longer to post — usually 5 to 7 business days from the time Citi receives them — so send your payment at least a week before your due date if you choose this method.
What to do if you see an error or your payment does not post
Log in to your account a few hours after submitting a payment to confirm it went through. Look for it in your payment history or recent transactions. If the payment does not appear within the timeframe Citi gave you, contact Citi customer service at the number on your statement or through your online account.
Have your confirmation number ready when you call. Citi can tell you whether the payment was received and when it will post. If there was a problem — such as incorrect bank account information — they can help you resubmit it or troubleshoot the issue.
If you were charged a late fee and your payment was on time, you can ask Citi to remove the fee. Keep your confirmation number and any emails showing when you submitted the payment, as these prove the timing.
Setting up automatic payments
If you want your payment to happen without logging in each month, you can set up automatic payments through your Citi account. Log in, find the "Automatic Payments" or "Recurring Payments" section, and choose the amount and date you want to pay each month.
You can set automatic payments to cover your full statement balance, your minimum payment, or a fixed amount. Automatic payments come from the bank account you select and post on the date you choose. You can change or cancel automatic payments at any time through your online account.
Automatic payments are useful if you want to avoid late fees, but review your statement each month to make sure the amount is correct. If your balance changes significantly, you may want to adjust your automatic payment amount.
Frequently Asked Questions
What if I do not remember my username or password?
Go to the Citi login page and click "Forgot Username" or "Forgot Password." Citi will send a reset link to your email address on file. If you do not receive the email, check your spam folder or contact Citi customer service at the number on your card.
Can I pay from my credit card with another credit card?
No. Citi only accepts payments from a bank account (checking or savings), not from another credit card. Paying a credit card with another credit card is treated as a cash advance and comes with higher fees and interest rates.
Is it safe to pay online?
Yes. Citi uses encryption and security measures to protect your information when you log in and make payments. Never share your username, password, or card number with anyone, and always log in through the official Citi website, not through a link in an email.
What happens if I pay after my due date?
A late fee will be charged to your account if your payment posts after the due date shown on your statement. Your interest rate may also increase. If you miss a payment by more than 30 days, it will be reported to credit bureaus and affect your credit score.
Can I pay someone else's Sears credit card bill?
Only the cardholder can log in and make payments on the account. If you are an authorized user, you cannot pay the bill online. The primary cardholder can contact Citi to set up a payment arrangement or give you permission to pay by phone on their behalf.