sears gold mastercard login

Capital One can help you find the right credit cards; checking or savings accounts; auto loans; and other banking services for you or your business. 3- Their Sears Card and Sears Gold Mastercards cannot be 'upgraded' by any store associate at any time in any store. When they tell you that you are doing that. Find out best way to reach Searschoicerewards Com Login. Sears now offers a Gold Mastercard with an option to earn rewards on your purchases. sears gold mastercard login

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Sears gold mastercard login

Sears gold mastercard login -

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Are you looking for Sears Gold Card Login Mastercard? Now get all the access to your account in one-click using the official links provided below:

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Sears mastercard credit card login - Credit card

https://audreysedibles.com/sears-mastercard-credit-card-login/

Dec 06, 2018 · A sears mastercard credit card login is an ordinary plastic card with a credit limit. Today every person in his life uses a credit card and more often has several credit cards. One of these credit cards can be a sears mastercard credit card login.

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Sears Credit Card: Home

https://citiretailservices.citibankonline.com/RSnextgen/svc/launch/index.action?langId=en_US&siteId=SEARS&pagename=authenticate

When you link your Shop Your Way number to your Sears Mastercard ... The Account Online website where you manage your sears card(s) may have changed. You’ll still enjoy the same card management experience. Check syw.accountonline.com to see if you will now manage your card(s) at an alternate Account Online website.

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Sears Credit Card: Log In or Apply

https://citiretailservices.citibankonline.com/RSnextgen/svc/launch/index.action?siteId=SEARS

We can electronically provide you the To get these electronically your device must be capable of printing or storing web pages and/or PDFs and your browser must have 128-bit security. If you want to request a paper copy of these disclosures you can call Sears Card® at 1-800-815-7701 and we will mail them to you at no charge. Agreements. null

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Sears Gold Mastercard Login - Gold Choices

https://goldschoices.blogspot.com/2017/10/sears-gold-mastercard-login.html

Hello, we provide concise yet detailed articles on "Gold Choices: Sears Gold Mastercard Login" topic. The information here is sourced well and enriched with great visual photo and video illustrations. When you find the article helpful, feel free to share it with your friends or colleagues.

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Online Banking, Mortgages, Personal Loans, Investing ...

https://online.citi.com/US/login.do

Open a bank account, apply for a personal loan or home equity line of credit, or start investing in your financial future with Citi. Learn more about our range of services.

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View All Citi Mastercard® Credit Cards - Citi.com

https://www.citi.com/credit-cards/compare-credit-cards/citi.action?ID=mastercard-credit-cards

Choose a Mastercard ® credit card from Citi with rewards that suit your lifestyle... Read More. Enjoy the benefits a Citi Mastercard ® credit card has to offer, including purchase and travel protection, and special access to purchase tickets to events. Learn about and compare a wide variety of Citi Mastercard credit cards. Read Less

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DMT Credit Card Style Sharpener Set ExFine-Fine-Coarse

https://www.sears.com/dmt-credit-card-style-sharpener-set-exfine/p-00641609000P

The Minimum Interest Charge is $2. The cash advance fee is 5% of each transaction; minimum $5. For the Shop Your Way Mastercard®, the balance transfer fee is 5% of each transaction, minimum $10, and the transaction fee for foreign purchases is 3% of each purchase transaction in U.S. dollars. See card agreement for details.Brand: DMT

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My Sears Account

https://www.sears.com/search=my%20sears%20account

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Источник: https://logindetail.com/login/sears-gold-card-login-mastercard

How To Make a Sears Credit Card Payment

Credit Cards / Retail

Sears at Del Amo Mall

Sue Hwang / GOBankingRates

As a large, nationwide retail chain, Sears offers items like appliances, tools, clothing, shoes, home furnishings and more. Even better, Sears offers a way to help finance those purchases: a Sears credit card or a Shop Your Way Mastercard — both issued by Citibank.

Using a Sears credit card or Shop Your Way Mastercard delivers rewards and benefits, such as getting 5% off or 12 months of interest-free financing on select items of $299 or more, or earning 1%-5% in points for eligible purchases.

To enjoy the benefits of your credit card rewards, you’ll need to keep your Sears credit card account up to date by taking advantage of one of the available payment options. Here’s everything you need to know.

How To Make an Online Sears Credit Card Payment

You can submit your payment using the online portal. First, you will need to register your Sears credit card. To do so:

  1. Go to the login page for your Sears credit card or Shop Your Way Mastercard.
  2. Click the “Register Your Card” link underneath the “Sign On” button.
  3. Enter your card number and select “Continue” to set up a user ID and password.

Once your registration is complete, you can sign in at the login page to process your online payment. Make sure you have your checking account information and bank routing number handy to complete the transaction.

How To Make a Sears Credit Card Payment by Phone

You can pay your Sears credit card, 24/7. Customers with a Sears Card can call the Sears Credit Card Services toll-free number at 800-917-7700 and follow the prompts to make a payment. You can also opt for a customer service representative to assist you.

Assistance is also available for customers with other Sears credit cards, including the following:

  • Sears Mastercard: 800-669-8488
  • Shop Your Way Mastercard: 877-816-9063

How To Make a Sears Credit Card Payment by Mail

With Sears, paying your credit card bill by mail is also an option. Regular mail and expedited payment addresses are available. Send your payment coupon and a check or money order to the appropriate address:

CardRegular Payment AddressExpedited Payment Address
Sears Card or Sears MastercardP.O. Box 9001055
Louisville, KY 40290-1055
Overnight Payments
Sears Payment Center/Overnight
6716 Grade Lane
Building 9, STE 910
Louisville, KY 40213
Shop Your Way MastercardP.O. Box 78024
Phoenix, AZ 85062-8024
Overnight Payments
Attn: Consumer Payment Dept.
6716 Grade Lane
Building 9, STE 910
Louisville, KY 40213

How To Make a Sears Credit Card Payment in Person

You can also make a credit card payment at any Sears location, which is convenient if you live nearby or if you are planning to shop there. For the fastest service, bring your billing statement with you to the store.

Pay Your Sears Credit Card Bill on Time

Paying your bill on time is important to avoid late fees and negative credit reporting. If you pay your entire bill within the grace period, you can avoid interest charges on your purchases. The grace period is at least 25 days.

If you don’t pay at least the minimum due by the due date, a late fee of $29 will apply. Additionally, more than one late payment in six consecutive billing cycles will result in a $40 fee.

Editorial Note: This content is not provided by Citibank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been endorsed by Citibank.

Information is accurate as of Sept 30, 2021.

This article has been updated with additional reporting since its original publication.

About the Author

John B. Kinsellagh is an attorney, former financial advisor and freelance writer specializing in personal finance, investment strategies, retirement planning, as well as business, legal and regulatory issues. His work has appeared in eHow Business, Legal Zoom, Answers.com, NYSE Euronext, wiseGeek and other publications.

Источник: https://www.gobankingrates.com/credit-cards/retail/how-make-sears-credit-card-payment/

Sears Gold Card Login Mastercard

Last Updated: 29-01-2020

 


MasterRental® Insurance

MasterCard cardmembers can benefit from the security and safety offered through MasterRental Insurance. If you rent a vehicle for fifteen (15) consecutive days or less with your MasterCard card, you may be eligible for benefits under this coverage. MasterRental is an insurance program.

Key terms:
  • You or Yours means MasterCard cardmember.
To get coverage:
  • Initiate and pay for the entire rental agreement/contract (tax, gasoline, and airport fees are not considered rental charges) with your MasterCard card. If a rental company promotion/discount of any kind is initially applied toward payment of the rental vehicle, at least one (1) day of rental must be billed to your MasterCard card.
  • You must decline the Collision/Damage Waiver offered by the vehicle rental company.
  • You must rent the vehicle in your own name and sign the vehicle rental agreement/contract.
  • Your rental agreement/contract must be for a rental period of fifteen (15) consecutive days or less. Rental periods that exceed, or are intended to exceed, fifteen (15) consecutive days are not covered.
  • You must rent a vehicle (including minivans and sport utility vehicles that are designed to accommodate nine passengers or fewer) that is intended for bound surfaces, such as concrete or tarmac. Rented vehicles must have a manufacturer's suggested retail price of $50,000 or less.
The kind of coverage you receive:
  • MasterRental will pay for covered damages on a secondary basis only for which you are, or any other authorized driver is, legally responsible to the rental agency.
  • Covered damages include:
    1. Physical damage to and theft of the vehicle, not to exceed the limits outlined below.
    2. Reasonable loss-of-use charges imposed by the vehicle rental company for the period of time the rental vehicle is out of service. Loss-of-use charges must be substantiated by a location- and class-specific fleet utilization log.
    3. Reasonable towing charges to the nearest factory-authorized collision repair facility.
  • If you or an authorized driver's primary automobile insurance or other indemnity has made payments for a covered loss, MasterRental will cover your deductible and any other eligible amounts not covered by other insurance.
  • Coverage is secondary to any other applicable insurance or coverage available to you. Coverage is limited to only those amounts not covered by any other insurance or coverage benefit.
Note: In certain parts of the United States and Canada, losses to rental vehicles that are covered by your personal vehicle insurance policy liability section may not be subject to a deductible, which means that you may not receive any benefits from this program. Please contact your insurance provider for full coverage details pertaining to your personal vehicle insurance policy.
  • If you have no other insurance or your insurance does not cover you in territories or countries outside of the United States, MasterRental is considered the primary coverage.
  • This coverage is not all-inclusive, which means it does not cover such things as personal injury, personal liability, or personal property. It does not cover you for any damages to other vehicles or property. It does not cover you for any injury to any party.
Who is covered:
  • The MasterCard cardmember and those designated in the vehicle rental agreement/contract as authorized drivers.
Excluded rental vehicles:
  • All trucks, pickups, full-size vans mounted on truck chassis, campers, off-road vehicles, and other recreational vehicles.
  • Trailers, motorbikes, motorcycles, and any other vehicle having fewer than four (4) wheels.
  • Antique vehicles (vehicles that are more than twenty (20) years old or have not been manufactured for at least ten (10) years) or limousines.
  • All sport utility trucks. These are vehicles that have been or can be converted to an open, flat-bed truck (including, but not limited to, Chevy Avalanche, GMC Envoy, and Cadillac Escalade EXT).
  • Any rental vehicle that has a manufacturer's suggested retail price that exceeds $50,000.
Where you are covered:
In general, coverage applies worldwide, but there are exceptions:
  • Coverage is not available for vehicles rented in the following countries: Ireland, Israel or Jamaica.
  • You may be unable to receive benefits in Australia, Italy, and New Zealand. Please contact your vehicle rental agency before you travel.
  • Coverage is not available where prohibited by law.
Coverage limitations:
  • MasterRental will pay the lesser of the actual repair amount, current market value (minus salvage), or $50,000 per incident for which the MasterCard cardmember or any other authorized driver is legally responsible to the rental agency.
  • MasterRental will not pay for or duplicate the Collision/Damage Waiver coverage offered by the rental agency.
What is NOT covered:
  • Any personal item stolen from the interior or exterior of a rental vehicle.
  • A vehicle not rented by the MasterCard cardmember or authorized user on a MasterCard account.
  • Any person not designated in the rental agreement/contract as an authorized driver.
  • Any obligations you assume other than that which are covered under MasterRental, or your primary vehicle insurance or other indemnity policy.
  • Any violation of the written terms and conditions of the rental agreement/contract.
  • Any loss that occurs while driving under the influence of drugs or alcohol; racing or reckless driving.
  • Losses involving the theft of the rental vehicle when the renter or authorized driver cannot produce the keys to the rental vehicle at the time of reporting the incident to the police and/or rental agency, as a result of negligence.
  • Mechanical failures caused by wear and tear, gradual deterioration, or mechanical breakdown.
  • Subsequent damages resulting from a failure to protect the rental vehicle from further damage.
  • Blowouts or tire/rim damage that is not caused by theft or vandalism or is not a result of a vehicle collision causing tire or rim damage.
  • Rental vehicles for which Collision/Damage Waiver coverage was accepted/purchased by you or given to you by the rental agency.
  • Any damage that is of an intentional or non-accidental nature, caused by the renter or authorized driver(s) of the rental vehicle. [Except for residents of the state of New York, this exclusion is modified by the following limitation. This exclusion does not apply if: 1.) an individual or joint cardmember is liable for damages to the rental vehicle under the rental agreement/contract or liable for the charges from damages to the rental vehicle under the credit card agreement; 2.) the individual or joint cardmember is a victim of domestic violence and did not cooperate in or contribute to the damage; 3.) the damage arises out of a pattern of criminal domestic violence; and 4.) the perpetrator of the damage is criminally prosecuted for the act or acts causing the damage for which a claim is being made under this coverage. For New York state residents, this modification does not apply and is not in effect.]
  • Depreciation, diminishment of value, administrative, or other fees charged by the vehicle rental company.
  • Vehicles with a rental agreement/contract that exceeds or is intended to exceed a rental period of fifteen (15) consecutive days from a rental agency.
  • Losses resulting from any kind of illegal activity.
  • Damage sustained on any surface other than a bound surface, such as concrete or tarmac.
  • Losses resulting from war or hostilities of any kind (including, but not limited to, invasion, terrorism, rebellion, insurrection, riot, or civil commotion); confiscation or damage by any government, public authority, or customs official; risks of contraband; illegal activity or acts.
  • Any loss involving the rental vehicle being used for hire, for commercial use, or as a public or livery conveyance.
  • Indirect or direct damages resulting from a covered claim.
  • Theft of, or damage to, unlocked or unsecured vehicles.
  • Value-added tax, or similar tax, unless reimbursement of such tax is required by law.
  • Vehicles rented in Ireland, Israel or Jamaica.
How to file a MasterRental Insurance claim:
  1. Call 1-800-MC-ASSIST to request a claim form. You must report the claim within thirty (30) days of the loss, or the claim may not be honored. You may choose to assign your benefits under this insurance program to the rental agency from which you rented your vehicle. Please contact 1-800-MC-ASSIST for further details.
  2. Submit the following documentation within one hundred eighty (180) days of the incident or the claim will not be honored:
    • Completed and signed claim form.
    • MasterCard receipt showing the rental.
    • MasterCard statement showing the rental.
    • Rental agreement (front and back).
    • Copy of valid driver's license (front and back).
    • Copy of the declarations page of the authorized driver's primary vehicle insurance and other valid coverage or insurance.
    • Report from police verifying that the vehicle was stolen, vandalized, or involved in a collision.
    • Itemized repair estimate from a factory-authorized collision repair facility.
    • Copy of the vehicle rental company promotion, if applicable.
    • Copy of the vehicle rental location- or class- specific fleet utilization log, if loss of use charges are being claimed. You must secure this log from the rental agency.
    • Any other documentation that reasonably may be requested to validate a claim.

MR-1 (12-04)

General Provisions
This Summary is not a policy or contract of insurance or other contract.
Benefits are purchased by MasterCard and provided free to you, but non-insurance services may have associated costs, which will be your responsibility.
MasterRental® Insurance is provided under a master policy of insurance issued by Virginia Surety Company, Inc.
This Summary is intended as a summary of benefits provided to you. All information about the insurance benefits listed in this Summary is governed by the conditions, limitations, and exclusions of the master policy.
As the insurer of the MasterCard coverage described herein, Virginia Surety Company, Inc. ("VSC") collects personal information about you from the following sources: information the insurers gather from you; from your request for insurance coverage, or other forms you furnish to the insurer, such as your name, address, telephone number; and from information about your transactions with the insurer, such as claims made and benefits paid. The insurer may disclose all information it collects, as described above, to companies that perform administrative or other services on our behalf solely in connection with the insurance coverage you have received. The insurer does not disclose any personal information about former insureds to anyone, except as required by law. The insurer restricts access to personal information about you to those employees who need to know that information in order to provide coverage to you. The insurer maintains physical, electronic, and procedural safeguards that comply with federal regulations to guard your personal information. Should you have any questions about the insurance procedures or the information contained within your file, please contact the insurer by writing to: Compliance Department, Virginia Surety Company, Inc., 1000 North Milwaukee Avenue, Glenview, IL 60025.
Effective date of benefits:
Effective September 1, 2006, this Summary replaces all prior disclosures, program descriptions, advertising, and brochures by any party. MasterCard, your issuer, and the insurer reserve the right to change the benefits and features of these programs at anytime.
Cancellation:
Citi can cancel these benefits at any time or choose not to renew the insurance coverage for all cardmembers. If Citi does, you will be notified at least sixty (60) days in advance. If the insurance company terminates, cancels, or chooses not to renew the coverage to your issuer, you will be notified as soon as is practicable. Insurance benefits will still apply for any benefits you were eligible for prior to the date of such terminations, cancellation, or non-renewal, subject to the terms and conditions of coverage.
Benefits to you: These benefits apply only to MasterCard cardmembers whose cards are issued by U.S. financial institutions. The United States is defined as the fifty (50) United States, the District of Columbia, American Samoa, Puerto Rico, Guam, and the U.S. Virgin Islands. No person or entity other than the MasterCard cardmember shall have any legal or equitable right, remedy, or claim for benefits, insurance proceeds, and damages under or arising out of these programs.
These benefits do not apply if your card privileges have been cancelled. However, insurance benefits will still apply for any benefit you were eligible for prior to the date that your account is suspended or cancelled, subject to the terms and conditions of coverage.
Transfer of rights or benefits: No rights or benefits provided under these insurance benefits may be assigned without the prior written consent of the claim administrator for these benefits.
Misrepresentation and Fraud: Benefits shall be void if the MasterCard cardmember has concealed or misrepresented any material facts concerning this coverage.
Due Diligence: All parties are expected to exercise due diligence to avoid or diminish any theft, loss, or damage to the property insured under these programs. "Due diligence" means the performance of all vigilant activity, attentiveness, and care that would be taken by a reasonable and prudent person in the same or similar circumstances in order to guard and protect the item.
Subrogation: If payment is made under these benefits, the insurance company is entitled to recover such amounts from other parties or persons. Any party or cardmember who receives payment under these benefits must transfer to the insurance company his or her rights to recovery against any other party or person and must do everything necessary to secure these rights and must do nothing that would jeopardize them, or these rights will be recovered from the cardmember.
Salvage: If an item cannot be repaired, the claim administrator may request that the cardmember or gift recipient to send the broken item to the administrator for salvage at the cardmember's or gift recipient's expense. Failure to remit the requested item for salvage to the claim administrator may result in denial of the claim.

In no event will these insurance benefits apply as contributing insurance. The non-contribution insurance clause will take precedence over the non-contribution clause found in any other insurance policies. Benefits listed in this Summary are subject to the conditions, limitations, and exclusions described in each benefit section. Receipt and possession of this Summary does not guarantee coverage or coverage availability.

This Summary is intended as a summary of services, benefits, and coverages and, in case of a conflict between the Summary and the master insurance policies, or a member's, or the MasterCard actual offerings, such master policies or actual offering shall control.
 

FLD-2 (3-05)


© 2006 Citibank, N.A. and Citibank USA, N.A.
Citibank is a registered service mark of Citigroup Inc.
MasterCard® is a registered trademark of MasterCard International Incorporated.  
Источник: http://www.citibank.com/us/cards/mstr-rntl.htm

How the Sears Credit Card Works: Benefits and Rewards

Sears is one of the nation’s leading merchandise retailers and is a wholly-owned subsidiary of Sears Holdings Corp. (NASDAQ: SHLD). Its history dates to 1886, when a railroad station agent named Richard Sears began selling gold watches by mail and wound up building a business empire with a mail-order catalog that sold everything from hats to houses.

Formerly called Sears, Roebuck, and Co., the company continued to thrive into the late 20th century, opening stores coast to coast and acquiring brands including Kmart, Kenmore, Craftsman, and DieHard.

The company has hit rocky times in recent years, filing for bankruptcy protection in 2018. Once the nation's predominant retailer and its biggest employer, with more than 3,000 stores nationwide, Sears now operates only about 33 Sears stores and 18 Kmart stores across the U.S. in addition to its websites.

Key Takeaways

  • Sears offers a store credit card and a MasterCard co-branded card with several levels of rewards and perks.
  • Cardholders can earn cashback rewards points to be redeemed in-store or online, in addition to seasonal promotions like no-interest financing on certain purchases.
  • The cards have no annual fee.

How the Sears Credit Card Works

Sears offers a standard in-store SearsCard and has also partnered with Citibank of Citigroup Inc. (NYSE: C) to offer its customers a variety of co-branded general-use "Shop Your Way" credit cards with rewards and benefits programs. These cards earn points from everyday purchases such as gasoline or food and can be redeemed at Sears locations.

The most basic level of the Shop Your Way credit card is the Sears Card, which customers can use in-store at Sears and Kmart or at their websites. The Sears "Shop Your Way" MasterCard from Citibank can be used to pay for purchases anywhere MasterCard is accepted.

Sears Home Services Financing

Another option for store credit is the Sears Home Services Account. The account offers 18-month zero-interest financing on home improvement items such as heating and air conditioning equipment, windows, vinyl siding, kitchen remodels, or cabinets.

Cardholders can use this card to finance purchases with the Sears Home Services division, which also assists with the installation and maintenance of these large purchases. For example, customers who want to upgrade their homes' flooring can get both the material and installation completed with the Sears Home Services group.

The process includes a five- to 10-minute call and then an in-home consultation.

The Shop Your Way Credit Card

Shop Your Way MasterCards allow cardholders to earn 5% back on eligible gasoline purchases and 3% back on grocery stores and restaurants (limited to the first $10,000 of qualifying payments, then 1% thereafter), plus 2% back when used at Sears or Kmart, and 1% on all other purchases.

Cardholders also are eligible for various seasonal promotions such as additional discounts on selected purchases or no-interest financing for a period of time.

Sears Home Services offers free in-home consultation and 18 months zero-interest financing on major home improvement and remodeling purchases.

All three cards carry no annual fee and give users access to online services, $0 liability on unauthorized purchases, advance notice of any Sears’ sales events, and identity theft resolution services.

For the Sears Card and Sears MasterCard, new applicants have two options: get $10 off when approved and a purchase is made that day, or six months of special financing on purchases made that day.

Both cards also include a number of exclusive offers. For example, cardholders can get 5% off electronics items over $599 or no interest if the balance is paid in full within 12 months. There are similar offers for home appliances, fitness items, lawn and garden items, tools, sporting goods, furniture, and mattresses.

The Sears Home Improvement Account is more straightforward, offering only zero-interest financing for 18 months for purchases of certain high-priced items.

Rewards and Benefits

Shoppers who make frequent large purchases at Sears benefit the most from getting a Sears card. The biggest benefit to having one of the cards is the offer of 5% off a big-ticket purchase or no-interest financing.

Most of the card benefits require spending at least $299 a year in each category. A person who does not make regular large purchases from Sears would not necessarily benefit from having a Sears card over the long term.

Customers planning a major home remodel or upgrade home might consider the Sears Home Improvement Account card. Instead of paying for the remodels immediately or with another credit card, the Sears Home Improvement Account gives the option for no-interest repayment over a longer period.

How to Get the Sears Credit Card

Customers can apply for the Sears credit card or the Sears MasterCard on the Sears website or at a Sears or Kmart store.

Applicants must provide personal financial information and submit a credit check.

Those interested in the Sears Home Services Account can call Sears Home Services at 1-800-469-4663 or get more details at the Sears Home Services website. Once a purchase is made, Sears Home Services will work with the cardholder to develop the length and terms of repayment.

Required Credit Score

Sears and MasterCard, like most credit issuers, do not post guidance on their credit rating requirements. However, credit cards of this type are generally easier to get than many others for a couple of reasons: the credit limit issued can be fairly low and the interest charged for carrying a balance forward is high. That makes them relatively non-risky and very lucrative for the issuer.

An applicant with a credit score of about 640, or within the "fair" range, is likely to get approved.

Applicants must be at least 18 years or older, or 21 if living in Puerto Rico.

Where Can the Card Be Used?

The Sears credit card can be used at the stores and websites of Sears, Kmart, and Land's End (a Sears spinoff).

The Sears MasterCard can be used anywhere that MasterCard is accepted.

Alternatives

There are many other credit cards available to consumers that provide rewards programs for usage.

Sears has several competitors in the retail space that offer such cards and promotions, such as Walmart Stores Inc. (NYSE: WMT), Home Depot Inc. (NYSE: HD), Best Buy Co. Inc. (NYSE: BBY), and Macy’s Inc. (NYSE: M). Each of these retailers offers its customers credit cards. For example, a My Best Buy card allows up to 18 months of special financing for any major appliances as well as 5% back in rewards points.

The Walmart credit card offers 3% savings on Walmart.com purchases, 2% savings on Murphy USA and Walmart gas, and 1% savings at Walmart and anywhere else the card is accepted.

Consumers who make large purchases at Home Depot can use the Consumer Credit Card that allows up to 24 months of financing during special promotions and includes a one-year hassle-free return policy.

The Sears Credit Card Interest Rates, Terms and Conditions

Both the Sears Card and Sears MasterCard have APRs of 25.24% for purchases and 27.15% APR for cash advances.

The transaction fee for cash advances is the greater of $5 or 5% of the amount of the cash advance.

Cardholders looking to take advantage of some of the benefits offered with the credit cards should carefully read the financing disclosures and exclusions. For example, the home appliances benefit does not apply to air conditioners, fans, heaters, countertop microwaves, sewing machines, and several other items.

The Sears Home Improvement Account has a variable APR of up to 26.49% after the introductory period, depending on the creditworthiness of the applicant.

Who Should Consider the Sears Credit Card?

Sears may be a shadow of its former self, but it has a long-held reputation for quality appliances, tools, auto parts, and lawn and garden equipment. It may not be the first name on most peoples' minds these days when they're considering a major purchase for the home, but the Sears.com website is worth a price comparison with other retailers.

For appliances, it carries brands like Frigidaire, GE, and LG as well as its own Kenmore brand. Its tools department has Dewalt and Black&Decker as well as Craftsman, the brand it once built and owned. It no longer owns the DieHard battery brand but it still sells them, along with other name brands.

If you happen to live near one of the few remaining Sears stores, the basic store card could come in handy. The company maintains an online store locator.

What Are the Benefits of Having a Sears Credit Card?

A Sears credit card or a "Shop Your Way" Sears MasterCard may be most useful for a consumer who is considering purchasing one or more big-ticket items like home appliances or tires. The offer of 5% off or a zero-interest financing period is useful for major investments in the home.

Sears carries a wide range of appliances, hardware, and home and garden equipment. It carries shoes, toys, and jewelry, too, although it's hard to name a competitive advantage in those departments that Sears has over the likes of Amazon.com or Walmart, among many others.

The real benefits of the card kick in for purchases of big-ticket items, or at least those who spend $300 or above a year in a department.

Is It Hard to Get a Sears Credit Card?

Applicants for a Sears Credit Card or a Sears MasterCard should find it relatively easy to obtain credit from either as long as their credit ratings are within the "fair" range, or about 640.

If you're a young person just starting out, it might be a good way to help you acquire some basics for your first home. Just be sure to pay it off quickly. That way you'll avoid those high finance charges and also boost your credit rating over time.

Does Citibank Own the Sears Credit Card?

Sears and Citibank jointly issue a credit card, which can be used anywhere MasterCard is accepted but has rewards for Sears purchases. Citibank is the card administrator, so your bill will come from a Citibank address.

This type of co-branded card is now commonly available from American retailers.

The Bottom Line

Business writers and financial analysts sometimes refer to Sears as a "zombie retailer," and for good reason. Once a behemoth of American retailing, Sears has shrunk to a handful of aging stores and has unloaded some of the brands it built from scratch, like DieHard batteries and Kenmore appliances.

Yet those brands are still available, as are many other major brand names, at the Sears website. Consumers considering investing in new appliances or other major home upgrades might at least price-check Sears and its financing options against those of its many competitors.

Источник: https://www.investopedia.com/articles/credit-loans-mortgages/082516/how-sears-credit-card-works-benefits-rewards-shld.asp

Discover Card

Credit card

Discover is a credit card brand issued primarily in the United States. It was introduced by Sears in 1985. When launched, Discover did not charge an annual fee and offered a higher-than-normal credit limit, features that were disruptive to the existing credit card industry.[citation needed] A subsequent innovation was "Cashback Bonus" on purchases.[1]

Most cards with the Discover brand are issued by Discover Bank, formerly the Greenwood Trust Company. Discover transactions are processed through the Discover Network payment network. In 2005, Discover Financial Services acquired Pulse, an electronic funds transfer network, allowing it to market and issue debit and ATM cards. In February 2006, Discover Financial Services announced that it would begin offering Discover debit cards to other financial institutions, made possible by the acquisition of Pulse.[2]

Discover is the third largest credit card brand in the U.S. based on the number of cards in circulation, behind Visa and MasterCard, with 57 million cardholders.[3]

History[edit]

At the time Discover was introduced, Sears was the largest retailer in the United States. It had purchased the Dean Witter Reynolds brokerage organization and Coldwell, Banker & Company (real estate) in 1981[4] as an attempt to add financial services to its portfolio of customer services. Ray Kennedy, Sr, father of country singer Ray Kennedy and the credit manager for Sears, conceived the card.[5] After a trial period in 1985, starting with a $26.77 purchase at an Atlanta Sears on September 17,[6] the actual launch was pushed through by Philip J. Purcell and Mitchell M. Merin, the company's senior vice president for corporate administration and manager of financial analysis, respectively.[7] Together with the Discover Card (and its issuing bank, the Greenwood Trust Company, owned by Sears), this was named the Sears Financial Network. Early Discover Cards bore a small embossed symbol representing the Sears Tower, then the company's headquarters.

Discover was part of Dean Witter, and then Morgan Stanley, until 2007, when Discover Financial Services became an independent company.[8]Novus was once the major processing center that partnered with the company. The Novus logo was retired, replaced by the Discover Network logo.

Discover and Novus retired acceptance mark (still seen in many places)

Unlike other attempts at creating a credit card to rival MasterCard and Visa, such as Citibank's Choice card, Discover gained a large national consumer base. It carried no annual fee, which was uncommon at the time, and offered a typically higher credit limit than similar cards. Cardholders could also earn a "Cashback Bonus", in which a percentage of the amount spent would be refunded to the account (from 1% to 5%), depending on how much the card was used.[9] Discover was also noteworthy for being the only credit card accepted by the U.S. Customs Service to pay customs duty, effective February 19, 1987.[10] Since it did not charge a percentage fee to retailers, unlike Visa, MasterCard, and American Express, Discover was also the only credit card accepted at Sam's Club; the retailer has since started to accept MasterCard and American Express (see below). A 1989 study found that Discover had strong consumer adoption in the U.S.; the number of households with Discover cards increased by 2.1 million, or 14 percent, in 1989.[11] In this same year, Discover also signed a restaurant in Delaware as its 1 millionth merchant in its payment network.[12]

The plan to create a one-stop financial-services center in Sears stores was not as successful as Sears had hoped, and its promotion of Discover was thought both to hurt Sears turnover and to restrict the card's potential. Other retailers resisted it, as they were developing their own credit products and they believed they would be helping their competitor. Sears began to face difficulties in the late 1980s in light of these developments, and with strong competition both from Walmart and from so-called category killers such as Toys "R" Us. Discover's introduction was costly; Sears's Discover credit card operations accounted for a loss of $22 million in the fourth quarter of 1986, and a loss of $25.8 million in the first quarter of 1987.[13] Sears sold its financial businesses in 1993 and began to accept MasterCard and Visa in addition to its store credit card and Discover. Discover became part of the Dean Witter financial services firm, and the new company was called Dean Witter, Discover & Co. In 1997, this company merged with Morgan Stanley to become Morgan Stanley Dean Witter, Discover & Co. In 1999, this company rebranded itself as Discover Financial Services, Inc.[14]

Discover Bank[edit]

The Greenwood Trust Company was founded in 1911 and is based in Greenwood, Delaware. It was acquired by Discover Financial Services in 1985 and renamed Discover Bank in 2000.[15] The first and original location of Greenwood Trust Co. on East Market Street is now the town hall and police station.[16]

Global alliance[edit]

Further information: Card reciprocal agreements

Starting around 2005, to increase acceptance around the world, Discover has formed several agreements with other payment networks internationally. This allows Discover cardholders to perform transactions while traveling abroad. Vice versa, cardholders of other countries may utilize their cards at U.S. merchants that accept Discover.[17] Some major examples include:

In 2015, due to the growth of UnionPay, Discover became the world's most widely accepted card.[19] Currently, Discover is accepted in 185 countries.[20]

Business developments[edit]

In October 2004, the Supreme Court upheld a ruling in Discover's favor that challenged exclusionary policies of Visa and MasterCard, stating that Mastercard and Visa were violating antitrust regulations. Before this ruling, Visa and MasterCard would not allow banks to issue a Discover or American Express card if they issued a Visa or MasterCard. Within days of the court ruling, Discover filed a lawsuit in federal court seeking damages from Visa and MasterCard.

Shortly after the 2004 Supreme Court ruling, Discover struck its first deal to have its cards issued by another financial institution, GE Consumer Finance, which began to issue credit cards for retailer Walmart and its wholesale warehouse stores, Sam's Club.[21] Transactions were processed on the Discover Network. Sam's Club exclusively accepted Discover for many years; since November 2006, it has also accepted MasterCard for purchases. In April 2014, Walmart announced that they were ending their relationship with Discover and would begin converting all Discover-branded cards to Mastercard beginning in June 2014.[22]

HSBC has issued Discover-branded credit cards processed through the Discover Network since its acquisition of card issuer Metris in late 2005. Metris had originally signed an agreement with Discover in September 2005, three months prior to the HSBC acquisition.

In September 2012, Discover was ordered to pay over $200 million in fines and customer reimbursements to settle accusations by U.S. federal regulators that it had engaged in deceptive telemarketing tactics.[23]

Advertising[edit]

From 1998 to 2007, Discover Card owned a billboard at One Times Square, just above the flagpole where the Times Square Ball is placed, until Toshiba bought the space. As a result, its logo could be seen on national television during New Year's Eve, while the ball dropped. Discover also sponsored the ball drop itself.[24][25]

From its opening in 2001 to 2012, Sugarloaf Mills Mall in Lawrenceville, Georgia, was named Discover Mills in a naming rights partnership with Discover Card. The slogan for the mall was "Where Discover Card is the Smart Choice." It was the first shopping mall to have granted naming rights to interested companies.[26][27]

Since 2008, Discover has been the official credit-card partner of the National Hockey League. As part of this deal, Discover offers team- and league-branded credit cards as well as a 10% discount on purchases made from the NHL's online store using Discover.

See also[edit]

Industry5.svg Companies portal

References[edit]

  1. ^Vasquez, Jose. “History of Discover Card”. January 8, 2009. Retrieved 2016-11-28.
  2. ^"Merger of Discover Financial Services and Pulse EFT Association closes following Pulse member approval" (Press release). Discover Financial Services. January 12, 2005. Archived from the original on December 8, 2012. Retrieved October 22, 2007.
  3. ^Peter, Bianca. ["Market share by credit card network"]. September 2, 2019. Retrieved 2020-09-18.
  4. ^"A Brief Chronology of Sears History". Sears Brands, LLC. Retrieved August 12, 2009.
  5. ^Whitburn, Joel (1996). The Billboard Book of Top 40 Country Hits, p.173. ISBN 0-8230-7632-6.
  6. ^Kagan, Julia (June 27, 2018). "Discover Card". Investopedia. Retrieved August 1, 2020.
  7. ^Blake, Rich (November 1, 2002). "Blue chipped". Institutional Investor. Retrieved August 9, 2018.
  8. ^“Discover flying solo”. The Green Sheet, July 9, 2007. Retrieved 2016-12-04.
  9. ^Simon, Jeremy M. Credit card reward programs: a short history. CreditCards.com, November 14, 2006. Retrieved 2016-12-04.
  10. ^Customs Service Rules on Credit Cards. Journal of Commerce. Retrieved December 5, 2016.
  11. ^Aguilar, Linda. Banks and nonbanks at the end of the ‘80s. Federal Reserve Bank of Chicago, March 1, 1990.
  12. ^Harkness, Brendan. [1]. CreditCardInsider.com, April 7, 2020.
  13. ^Barmash, Isadore. "Sears Net Rises 47.4% in Quarter", The New York Times, April 22, 1987.
  14. ^Kagan, Julia. [2]. Investopedia.com, June 27, 2018.
  15. ^"Greenwood Trust Company Renamed Discover Bank" (Press release). Discover Financial Services. August 1, 2000. Archived from the original on January 21, 2014.
  16. ^"Discover Bank".
  17. ^"Reach and Acceptance | Discover Global Network".
  18. ^"Card Acceptance – Troy – Turkey's Payment Method".
  19. ^"Discover tops Mastercard, Visa as planet's most-accepted payment card". September 28, 2016. Archived from the original on November 17, 2016.
  20. ^"International Credit Card Acceptance | Discover".
  21. ^Kingson, Jennifer A. "Credit Card Issuers Adjust to Open Field", The New York Times, March 26, 2005.
  22. ^Lee Enterprises. "Wal-Mart taps MasterCard for store-branded credit card". stltoday.com.
  23. ^"Federal Deposit Insurance Corporation and Consumer Financial Protection Bureau Order Discover to Pay $200 Million Consumer Refund for Deceptive Marketing". Consumer Financial Protection Bureau.
  24. ^Metro Business; Discover Is Sponsor For Year 2000 Event
  25. ^Back in Times Square, Toshiba Stands Tall
  26. ^"The Mills Corporation Announces the Grand Opening of Discover Mills". PR Newswire. Retrieved March 9, 2016.
  27. ^Sawicki, Beth (September 21, 2012). "Discover Mills renamed Sugarloaf Mills". Gannett. 11 Alive News. Archived from the original on January 16, 2013. Retrieved March 9, 2016.

External links[edit]

Media related to Discover Card at Wikimedia Commons

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MasterRental® Insurance

MasterCard cardmembers can benefit from the security and safety offered through MasterRental Insurance. If you rent a vehicle for fifteen (15) consecutive days or less with your MasterCard card, you may be eligible for benefits under this coverage. MasterRental is an insurance program.

Key terms:
  • You or Yours means MasterCard cardmember.
To get coverage:
  • Initiate and pay for the entire rental agreement/contract (tax, gasoline, and airport fees are not considered rental charges) with your MasterCard card. If a rental company promotion/discount of any kind is initially applied toward payment of the rental vehicle, at least one (1) day of rental must be billed to your MasterCard card.
  • You must decline the Collision/Damage Waiver offered by the vehicle rental company.
  • You must rent the vehicle in your own name and sign the vehicle rental agreement/contract.
  • Your rental agreement/contract must be for a rental period of fifteen (15) consecutive days or less. Rental periods that exceed, or are intended to exceed, fifteen (15) consecutive days are not covered.
  • You must rent a vehicle (including minivans and sport utility vehicles that are designed to accommodate nine passengers or fewer) that is intended for bound surfaces, such as concrete or tarmac. Rented vehicles must have a manufacturer's suggested retail price of $50,000 or less.
The kind of coverage you receive:
  • MasterRental will pay for covered damages on a secondary basis only for which you are, or any other authorized driver is, legally responsible to the rental agency.
  • Covered damages include:
    1. Physical damage to and sears gold mastercard login of the vehicle, not to exceed the limits outlined below.
    2. Reasonable loss-of-use charges imposed by the vehicle rental company for the period of time the rental vehicle is out of service. Loss-of-use charges must be substantiated by a location- and class-specific fleet utilization log.
    3. Reasonable towing charges to the nearest factory-authorized collision repair facility.
  • If you or an authorized driver's primary automobile insurance or other indemnity has made payments for a covered loss, MasterRental will cover your deductible and any other eligible amounts not covered by other insurance.
  • Coverage is secondary to any other applicable insurance or coverage available to you. Coverage is limited to only those amounts not covered by any other insurance or coverage benefit.
Note: In certain parts of the United States and Canada, losses to rental vehicles that are covered by your personal vehicle insurance policy liability section may not be subject to a deductible, which means that you may not receive any benefits from this program. Please contact your insurance provider for full coverage details pertaining to your personal vehicle insurance policy.
  • If you have no other insurance or your insurance does not cover you in territories or countries outside of the United States, MasterRental is considered the primary coverage.
  • This coverage is not all-inclusive, which means it does not cover such things as personal injury, personal liability, or personal property. It does not cover you for any damages to other vehicles or property. It does not cover you for any injury to any party.
Who is covered:
  • The MasterCard cardmember and those designated in the vehicle rental agreement/contract as authorized drivers.
Excluded rental vehicles:
  • All trucks, pickups, full-size vans mounted on truck chassis, campers, off-road vehicles, and other recreational vehicles.
  • Trailers, motorbikes, motorcycles, and any other vehicle having fewer than four (4) wheels.
  • Antique vehicles (vehicles that are more than twenty (20) years old or have not been manufactured for at least ten (10) years) or limousines.
  • All sport utility trucks. These are vehicles that have been or can be converted to an open, flat-bed truck (including, but not limited to, Chevy Avalanche, GMC Envoy, and Cadillac Escalade EXT).
  • Any rental vehicle that has a manufacturer's suggested retail price that exceeds $50,000.
Where you are covered:
In general, coverage applies worldwide, but there are exceptions:
  • Coverage is not available for vehicles rented in the following countries: Ireland, Israel or Jamaica.
  • You may be unable to receive benefits in Australia, Italy, and New Zealand. Please contact your vehicle rental agency before you travel.
  • Coverage is not available where sears gold mastercard login by law.
Coverage limitations:
  • MasterRental will pay the lesser of the actual repair amount, current market value (minus salvage), or $50,000 per incident for which the MasterCard cardmember or any other authorized driver is legally responsible to the rental agency.
  • MasterRental will not pay for or duplicate the Collision/Damage Waiver coverage offered by the rental agency.
What is NOT covered:
  • Any personal item stolen from the interior or exterior of a rental vehicle.
  • A vehicle not rented by the MasterCard cardmember or authorized user on a MasterCard account.
  • Any person not designated in the rental agreement/contract as an authorized driver.
  • Any obligations you assume other than that which are covered under MasterRental, or your primary vehicle insurance or other indemnity policy. sears gold mastercard login
  • Any violation of the written terms and conditions of the rental agreement/contract.
  • Any loss that occurs while driving under the influence of drugs or sears gold mastercard login alcohol; racing or reckless driving.
  • Losses involving the theft of the rental vehicle when the renter or authorized driver cannot produce the keys to the rental vehicle at the time of reporting the incident to the police and/or rental agency, as a result of negligence.
  • Mechanical failures caused by wear and tear, gradual deterioration, or mechanical breakdown.
  • Subsequent damages resulting from a failure to protect the rental vehicle from further damage.
  • Blowouts or tire/rim damage that is not caused by theft or vandalism or is not a result of a vehicle collision causing tire or rim damage.
  • Rental vehicles for which Collision/Damage Waiver coverage was accepted/purchased by you or given to you by the rental agency.
  • Any damage that is of an intentional or non-accidental nature, caused by the renter or authorized driver(s) of the rental vehicle. [Except for residents of the state of New York, this exclusion is modified by the following limitation. This exclusion does not apply if: 1.) an individual or joint cardmember is liable for damages to the rental vehicle under the rental agreement/contract or liable for the charges from damages to the rental vehicle under the credit card agreement; 2.) the individual or joint cardmember is a victim of domestic violence and did not cooperate in or contribute to the damage; 3.) the damage arises out of a pattern of criminal domestic violence; and 4.) the perpetrator of the damage sears gold mastercard login is criminally prosecuted for the act or acts causing the damage for which a claim is being made under this coverage. For New York state residents, this modification does not apply and is not in effect.]
  • Depreciation, diminishment of value, administrative, or other fees charged by the vehicle rental company.
  • Vehicles with a rental agreement/contract that exceeds or is intended to exceed a rental period of fifteen (15) consecutive days from a rental agency.
  • Losses resulting from any kind of illegal activity.
  • Damage sustained on any surface other than a bound surface, such as concrete or tarmac.
  • Losses resulting from war or hostilities of any kind (including, but not limited to, invasion, terrorism, rebellion, insurrection, riot, or civil commotion); confiscation or damage by any government, public authority, or customs official; risks of contraband; illegal activity or acts.
  • Any loss involving the rental vehicle being used for hire, for commercial use, or as a public or livery conveyance.
  • Indirect or direct damages resulting from a covered claim.
  • Theft of, or damage to, unlocked or unsecured vehicles.
  • Value-added tax, or similar tax, unless reimbursement of such tax is required by law.
  • Vehicles rented in Ireland, Israel or Jamaica.
How to file a MasterRental Insurance claim:
  1. Call 1-800-MC-ASSIST to request a claim form. You must report the claim within thirty (30) days of the loss, or the claim may not be honored. You may choose to assign your benefits under this insurance program to the rental agency from which you rented your vehicle. Please contact 1-800-MC-ASSIST for further details.
  2. Submit the following documentation within one hundred eighty (180) days of the incident or the claim will not be honored:
    • Completed and signed claim form.
    • MasterCard receipt showing the rental.
    • MasterCard statement showing the rental.
    • Rental agreement (front and back).
    • Copy of valid driver's license (front and back).
    • Copy of the declarations page of the authorized driver's primary vehicle insurance and other valid coverage or insurance.
    • Report from police verifying that the vehicle was stolen, vandalized, or involved in a collision.
    • Itemized repair estimate from a factory-authorized collision repair facility.
    • Copy of the vehicle rental company promotion, if applicable.
    • Copy of the vehicle rental location- or class- specific fleet utilization log, if loss of use charges are being claimed. You must secure this log from the rental agency.
    • Any other documentation that reasonably may be requested to validate a claim.

MR-1 (12-04)

General Provisions
This Summary is not a policy or contract of insurance or other contract.
Benefits are purchased by MasterCard and provided free to you, but non-insurance services may have associated costs, which will be your responsibility.
MasterRental® Insurance is provided under a master policy of insurance issued by Virginia Surety Company, Inc.
This Summary is intended as a summary of benefits provided to you. All information about the insurance benefits listed in this Summary is governed by the conditions, limitations, and exclusions of the master policy.
As the insurer of the MasterCard coverage described herein, Virginia Surety Company, Inc. ("VSC") collects personal information about you from the following sources: information the insurers gather from you; from your request for insurance coverage, or other forms you furnish to the insurer, such as your name, address, sears gold mastercard login number; and from information about your transactions with the insurer, such as claims made and benefits paid. Amazon prime now shopper jobs insurer may disclose all information it collects, as described above, to companies that perform administrative or other services on our behalf solely in connection with the insurance coverage you have received. The insurer does not disclose any personal information about former insureds to anyone, except as required by law. Sears gold mastercard login insurer restricts access to personal information about you to those employees who need to know that information in order to provide coverage to you. The insurer maintains physical, electronic, and procedural safeguards that comply with federal regulations to guard your personal information. Should you have any questions about the insurance procedures or the information contained within your file, please contact the insurer by writing to: Compliance Department, Virginia Surety Company, Inc., 1000 North Milwaukee Avenue, Glenview, IL 60025.
Effective date of benefits:
Effective September 1, 2006, this Summary replaces all prior disclosures, program descriptions, advertising, and brochures by any party. MasterCard, your issuer, and the insurer reserve the right to change the benefits and features of these programs at anytime.
Cancellation:
Citi can cancel these benefits at any time or choose not to renew the insurance coverage for all cardmembers. If Citi does, you will be notified at least sixty (60) days in advance. If the insurance company terminates, cancels, or chooses not to renew the coverage to your issuer, you will be notified as soon as is practicable. Insurance benefits will still apply for any benefits you were eligible for prior to the date of such terminations, cancellation, or non-renewal, subject to the terms and conditions of coverage.
Benefits to you: These benefits apply only to MasterCard cardmembers whose cards are issued by U.S. financial institutions. The United States is defined as the fifty (50) United States, the District of Columbia, American Samoa, Puerto Rico, Guam, and the U.S. Virgin Islands. No person or entity other than the MasterCard cardmember shall have any legal or equitable right, remedy, or claim for benefits, insurance proceeds, and damages under or arising out of these programs.
These benefits do not apply if your card privileges have been cancelled. However, insurance benefits will still apply for any benefit you were eligible for prior to the date that your account is suspended or cancelled, subject to the terms and conditions of coverage.
Transfer of rights or benefits: No rights or benefits provided under these insurance benefits may be assigned without the prior written consent of the claim administrator for these benefits.
Misrepresentation and Fraud: Benefits shall be void if the MasterCard cardmember has concealed or misrepresented any material facts concerning this coverage.
Due Diligence: All parties are expected to exercise due diligence to avoid or diminish any theft, loss, or damage to the property insured under these programs. "Due diligence" means the performance of all vigilant activity, attentiveness, and care that would be taken by a reasonable and prudent person in the same or similar circumstances in order to guard and protect the item.
Subrogation: If payment is made under these benefits, the insurance company is entitled to recover such amounts from other parties or persons. Any party or cardmember who receives payment under these benefits must transfer to the insurance company his or her rights to recovery against any other party or person and must do everything necessary to secure these rights and must do nothing that would jeopardize them, or these rights will be recovered from the cardmember.
Salvage: If an item cannot be repaired, the claim administrator may request that the cardmember or gift recipient to send the broken item to the administrator for salvage at the cardmember's or gift recipient's expense. Failure to remit the requested item for salvage to the claim administrator may result in denial of the claim.

In no event will these insurance benefits apply as contributing insurance. The non-contribution insurance clause will take precedence over the non-contribution clause found in any other insurance policies. Benefits listed in this Summary are subject to the conditions, limitations, and exclusions described in each benefit section. Receipt and possession of this Summary does not guarantee coverage or coverage availability.

This Summary is intended as a summary of services, benefits, and coverages and, in case of a conflict between the Summary and the master insurance policies, or a member's, or the MasterCard actual offerings, such master policies or actual offering shall control.
 

FLD-2 (3-05)


© 2006 Citibank, N.A. and Citibank USA, N.A.
Citibank is a registered service mark of Citigroup Inc.
MasterCard® is a registered trademark of MasterCard International Incorporated.  
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Sears Card definition

Related to Sears Card

.Brand TLDs are TLDs where:

Smart Card means, in relation to a Subscriber, a card or other device issued by IPTV Operator to that Subscriber that, when enabled by a CAS and inserted in such Subscriber's Set Top Box, has the functionality of enabling such Subscriber's Set Top Box to receive the Channels distributed by the IPTV Operator.

Provider network means a health service intermediary other than an MCO that facilitates transactions between medical providers and insurers through a series of contractual arrangements.

POS means point of sale.

Online Service means our on-line system for managing the electronic transmission of information between us and Providers;

Non-Network means any hospital, day care centre or other provider that is not part of the network.

END USER CUSTOMER LOCATION means the physical location of the premises where an End User makes use of the telecommunications services.

Google means Google Inc., a Delaware corporation with principal place of business at 1600 Amphitheatre Parkway, Mountain View, CA 94043, United States.

Username means an alphanumeric login identification used by the Client for accessing the Service.

Integrated Services Digital Network or "ISDN" refers to a digital circuit switched network service. Basic Rate ISDN (BRI) provides for channelized (two (2) bearer and one (1) data) end- to-end digital connectivity for the transmission of voice or data on either or both bearer channels and packet data on the data channel. Primary Rate ISDN (PRI) provides for twenty-three (23) bearer channels and one (1) data channel. For BRI, the bearer channels operate at 64 Kbps and the data channel at 16 Kbps. For PRI, all twenty-four (24) channels operate at 64 Kbps or

Player means any Contract Player, Non Contract Player or other player who plays or who is eligible to play for a Club.

Access Card means an ATM card, debit card or credit card and includes our Visa Card

Online Services means Microsoft-hosted services to which Customer subscribes under this Agreement. It does not include software and services provided under separate license terms.

Primary Cardholder means a person other than a Supplementary Cardholder who is issued a Primary Card and for whom the Card Account is first opened by the Bank.

Cardholder means a person to whom a credit card is issued or who has agreed with the card issuer to pay obligations arising from the issuance or use of the card to or by another person.

Customer Proprietary Network Information (“CPNI”) is as defined in the Act.

Synchronous Optical Network (SONET means the optical interface standard that allows inter-networking of transmission products from multiple vendors. The base rate is 51.84 Mbps (“OC 1/STS 1”) and higher rates are direct multiples of the base rate, up to 13.22 Gbps.

End User means the ultimate user of the Telecommunications Service. FCC means the Federal Communications Commission.

Integrated Services Digital Network (ISDN) means a switched network service that provides end-to-end digital connectivity for the simultaneous transmission of voice and data. Basic Rate Interface-ISDN (BRI-ISDN) provides for a digital transmission of two (2) 64 Kbps bearer channels and one (1) 16 Kbps data channel (2B+D).

Seal card means a form of instant bingo that uses instant bingo tickets in conjunction with a board or placard that contains one or more seals that, when removed or opened, reveal predesignated winning numbers, letters, or symbols.

Operations Manual means a manual containing procedures, instructions and guidance for use by operational personnel in the execution of their duties;

Kiosk means a department in a RIME Store.

Support staff means those staff holding an aircraft maintenance licence under Annex III (Part-66) in category B1, B2 and/or B3 with the appropriate aircraft ratings, working in a base maintenance environment while not necessarily holding certification privileges.

Access Channel means any Channel, or portion thereof, designated for Access purposes or otherwise made available to facilitate or transmit Access programming or services.

Online Services Terms means the additional terms that apply to Customer’s use of Online Services published on the Licensing Site and updated from time to time.

End User Customer means a third party retail Customer that subscribes to a Telecommunications Service provided by either of the Parties or by another Carrier or by two (2) or more Carriers.

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  • Last 4 Digits of the Primary Cardholder’s SSN

Activate.SYW.AccountOnline.com Contact Information

  • 1-877-816-9063 24/7 ADDITIONAL PHONE NUMBERS
  • MasterCard Technical Assistance 1-877-254-8073
  • TDD/TTY for the Hearing Impaired 1-877-816-8691
  • Outside the U.S., Canada, and Puerto Rico
  • Call Collect 502-522-1600
  • Shop Your Way General Inquiries P.O. Box 6282 Sioux Falls, SD 57117
  • PAYMENT ADDRESSES Shop Your Way Credit Card Payments P.O. Box 78024 Phoenix, AZ 85062-8024

If you’re under the gun and need to make a payment please consider overnight payments.




Need a credit card?


Shop Your Way Overnight Payment?

You can make an overnight payment by writing to “Shop Your Way Credit Card Overnight Delivery/Express Payments Attn: Consumer Payment Dept. 6716 Grade Lane Building 9, Suite 910 Louisville, KY 40213

More About This Card

A Shop Your Way Mastercard cardmember will earn 5% back on eligible gas station purchases and 3% back in points on eligible restaurant and grocery store purchases on the first combined purchases of $10,000 per the calendar year and then 1% thereafter.

Other Cards to Consider?

Bottom Line

The Shop Way MasterCard offers an exceptionally high 5-percent rewards rate on your gas purchases, making it one of the most rewarding gas card.

If you spend a ton of money on gas this is a decent card… if not there are better rewards credit cards.

Check out the Chase Freedom Rewards Credit Card.

FAQ

How do I activate my Sears card online?

Activate Your Sears Card Online (Account holder's name as it appears on the card, birthdate, credit card number, and 3-digit security code.) All you'll need to do is enter the appropriate information and click submit. Activation will be over in a matter of seconds.

How do I activate my government travel card?

Activate your new travel card. If you have a government travel charge card, please make sure your new CitiBank card is activated. Go to http://cardactivation.citi.com or call CITI at 877-905-1861. As of May 6, 2021, CitiBank is the official Government Travel Charge Card (GTCC) provider.

What is SYW Accountonline?

Cardholders of Sears Shop Your Way® credit card can now login their account by visiting www.syw.accountonline.com, which is the official login portal of co-branded credit cards issued by Citi bank®.

How do I activate my Citibank credit card online?

Log in to Citibank Online® at www.citibank.com.vn with your User ID and Password.Select "Services/My profile".Click "Card activation" and select your card name for activation.www.citibank.com.vn › english › online_services › card-activationGuide to Activate Your Credit/Debit/ATM Card Online - Citibank .www.citibank.com.vn › english › online_services › card-activation

How do I activate my Sears card online?

Activate Your Sears Card Online (Account holder's name as it appears on the card, birthdate, credit card number, and 3-digit security code.) All you'll need to do is enter the appropriate information and click submit. Activation will be over in a matter of seconds.

What is SYW Accountonline com?

www.syw.accountonline.com- Shop Your Way MasterCard® Login. Cardholders of Sears Shop Your Way® credit card can now login their account by visiting www.syw.accountonline.com, which is the official login portal of co-branded credit cards issued by Citi bank®.

How do I activate my Citibank credit card online?

Log in to Citibank Online® at www.citibank.com.vn with your User ID and Password.Select "Services/My profile".Click "Card activation" and select your card name for activation.www.citibank.com.vn › english › online_services › card-activationGuide to Activate Your Credit/Debit/ATM Card Online - Citibank .www.citibank.com.vn › english › online_services › card-activation

How do I activate my government travel card?

Activate your new travel card. If you have a government travel charge card, please make sure your new CitiBank card is activated. Go to http://cardactivation.citi.com or call CITI at 877-905-1861. As of May 6, 2021, CitiBank is the official Government Travel Charge Card (GTCC) provider.

How do I activate my Sears card online?

Activate Your Sears Card Online (Account holder's name as it appears on the card, birthdate, credit card number, and 3-digit security code.) All you'll need to do is enter the appropriate information and click submit. Activation will be over in a matter of seconds.

What is SYW Accountonline?

Cardholders of Sears Shop Your Way® credit card can now login their account by visiting www.syw.accountonline.com, which is the official login portal of co-branded credit cards issued by Citi bank®.


About the author

Quentin Fottrell is personal-finance editor and The Moneyist columnist. You can follow him on Twitter @quantanamo.

Quentin Fottrell


Источник: https://teuscherfifthavenue.com/wwwactivatesywaccountonlinecom/

By Nathaniel Meyersohn, CNN Business

CNN — Black Friday doesn't carry the significance it once did for sears gold mastercard login US shoppers — blame the rise of online shopping holiday "Cyber Monday" and then Covid-19's impact on retail.

But customers are still dishing out more money for clothing, electronics and other items this Black Friday as they return to visit stores in person and keep up their spending online.

Sales on Black Friday increased 29.8% from a year ago, according to estimates through 3 p.m. ET from Mastercard, which tracks payment data in stores and online, excluding car sales. E-commerce sales grew 10.6% from last year, while in-store sales increased 42.9%.

"Retail spending has been on the rise throughout the day and it speaks to the strength of the consumer," said Steve Sadove, senior advisor for Mastercard. "We anticipate a positive holiday season well beyond Black Friday."

Clothing sales led the growth, increasing 86.4% on Black Friday from a year ago when shoppers were mostly at home and didn't have much reason to spruce up their wardrobes.

These trends mark a reversal from 2020, when retailers limited their doorbuster deals to prevent overcrowding in stores and pushed shoppers to buy online instead. Online sales on Black Friday surged 85% in 2020 from the year prior, but overall sales dipped 16.1%.

This year, retailers bet on a strong holiday.

Retail sales in November and December are expected to grow between 8.5% and 10.5% this year compared with the 2020 holiday season, to a record of up to $859 billion, projected the National Retail Federation, a trade group for retailers. The figure excludes car dealers, gas stations and restaurants.

Federal stimulus payments to households and families since the onset of the pandemic elevated savings rates, and rising wages are expected to propel consumer demand during the holidays, NRF predicted.

Retailers kicked off their holiday deals in October to try to spread out the holiday season. They did this in part to prevent a crush of demand on Black Friday and Cyber Monday, which can strain stores and logistics networks.

Chains also encouraged shoppers to buy early and avoid waiting in case the product they want sells out. Retailers have been navigating high demand from consumers, as well as delays and shortages getting goods to shelves due to ongoing supply chain hurdles.

Deborah Weinswig, CEO of retail research and advisory firm Coresight Research, visited stores in Boston and Providence Friday. Out-of-stock items were most noticeable in furniture and for clothing basics such as denim jeans, khakis, underwear happy birthday 1st month socks, she said in a report.

Still, Weinswig said traffic was strong at home goods and department stores and projected strong profits for retailers this holiday because they were offering fewer discounts.

The-CNN-Wire™ & © 2021 Cable News Network, Inc., a WarnerMedia Company. All rights reserved.

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Источник: https://www.wral.com/black-friday-bounces-back-from-2020-shoppers-hit-stores-again/20003460/

How To Make a Sears Credit Card Payment

Credit Cards / Retail

Sears at Del Amo Mall

Sue Hwang / GOBankingRates

As a large, nationwide retail chain, Sears offers items like appliances, tools, clothing, shoes, home furnishings and more. Even better, Sears icici bank online banking app a way to help finance those purchases: a Sears credit card or a Shop Your Way Mastercard — both issued by Citibank.

Using a Sears credit card or Shop Your Way Mastercard delivers rewards and benefits, such as getting 5% off or 12 months of interest-free financing on select items of $299 or more, or earning 1%-5% in points for eligible purchases.

To enjoy the benefits of your credit card rewards, you’ll need to keep your Sears credit card account up to date by taking advantage of one of the available payment options. Here’s everything you need to know.

How To Make an Online Sears Credit Card Payment

You can submit your payment using the online portal. First, you will need to register your Sears credit card. To do so:

  1. Go to the login page for your Sears credit card or Shop Your Way Mastercard.
  2. Click the “Register Your Card” link underneath the “Sign On” button.
  3. Enter your card number and select “Continue” to set up a user ID and password.

Once your registration is complete, you can sign in at the login page to process your online payment. Make sure you have your checking account information and bank routing sears gold mastercard login handy to complete the transaction.

How To Make a Sears Credit Card Payment by Phone

You can pay your Sears credit card, 24/7. Customers with a Sears Card can call the Sears Credit Card Services toll-free number at 800-917-7700 and follow the prompts to make a payment. You can also opt for a customer service representative to assist you.

Assistance is also available for customers with other Sears credit cards, including the following:

  • Sears Mastercard: 800-669-8488
  • Shop Your Way Mastercard: 877-816-9063

How To Make a Sears Credit Card Payment by Mail

With Sears, paying your credit card bill sears gold mastercard login mail is also an option. Regular mail and expedited payment addresses are available. Send your payment coupon and a check or money order to the appropriate address:

CardRegular Payment AddressExpedited Payment Address
Sears Card or Sears MastercardP.O. Box 9001055
Louisville, KY 40290-1055
Overnight Payments
Sears Payment Center/Overnight
6716 Grade Lane
Building 9, STE 910
Louisville, KY 40213
Shop Your Way MastercardP.O. Box 78024
Phoenix, AZ 85062-8024
Overnight Payments
Attn: Consumer Payment Dept.
6716 Grade Lane
Building 9, STE 910
Louisville, KY 40213

How To Make a Sears Credit Card Payment in Person

You can also make a credit card payment at any Sears location, which is convenient if you live nearby or if you are planning to shop there. For the fastest service, bring your billing statement with you to the store.

Pay Your Sears Credit Card Bill on Time

Paying your bill on time is important to avoid late fees and negative credit reporting. If you pay your entire bill within the grace period, you can avoid interest charges on your purchases. The grace period is at least 25 days.

If you don’t pay at least the minimum due by the due date, a late fee of $29 will apply. Additionally, more than one late payment in six consecutive billing cycles will result in a $40 fee.

Editorial Note: This content is not provided by Citibank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been endorsed by Citibank.

Information is accurate as of Sept 30, 2021.

This article has been updated with additional reporting since its original publication.

About the Author

John B. Kinsellagh is an attorney, former financial advisor and freelance writer specializing in personal finance, investment strategies, retirement planning, as well as business, legal and regulatory issues. His work has appeared in eHow Business, Legal Zoom, Answers.com, NYSE Euronext, wiseGeek and other publications.

Источник: https://www.gobankingrates.com/credit-cards/retail/how-make-sears-credit-card-payment/

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