The Sears Online Bill Pay is ridiculous. I got error after error trying to navigate after logging in to be given their toll free numbers. It was an awful user experience. I tried to set up recurring payments and couldn't even find the option, it's as if they DO NOT WANT YOU TO PAY ONTIME. That way they get the late payment fees and extra finance charges. I cannot believe that they make this process so difficult for their cardholders. It is the worst online bill pay I have ever used.

Have had our sears card for 26 years and just paid off $1000 in one payment. Got a letter stating they had closed our account. We called and they said we were 5 days late on our payment. Get real if they closed everyone's acct that was late one time they wouldn't have any customers. If they would only check the history they would see that we were never late. Every tool, appliance, etc we have came form Sears. Very dissappointed with Sears and will never shop there again. MAC

INTEREST RATE LIKE A YO YO MAY 08 WAS 8.99 UNTIL OCT 08 WENT TO 8.49 NOV 08 = 7.99 UNTIL JAN 09 TO 7.24% AND THENNN MAR 09 21.99% - NO LATE PAYMENTS - CUSTOMER OVER 20 YEARS!

I have been a sears custoimer for 23 years. they raised my interest rate to 18% and my balance was only 300 dollars. I cancelled my account. I was never late with payments. They said they needed to do this as a cost of business. Well now they do not have any of my business. I will no longer shop at sears or have anything to do with Citibank

Watch out! Citibank just doubled their interest rates on Sears Gold Mastercard, from 12.08 % to over 24% - obscene!

I was persuaded to apply for a Sears card and found very quickly that the APR changes drastically and without warning. I purchased a Craftsman lawnmower at Sears and began payments on the card. They dropped my credit limit without notice or late payments and increased the interest rate by almost fifteen percent! The savings are negligible, considering the hassle owning this card was. I wouldn't recommend it for anyone.

Can we say junk? I was so sorry I got sucked into trying the Sears card. I pay in full promptly and they still tried to add interest on there. It was not worth the hassle. I'll stick to my Discover card!

Similar experiences to Juney & MIllerbug, lowered our credit limit - even after telling us we had a good account history. Our tax dollars at work bailing out these companies is a joke - it just ends up hurting us more. We have closed our account as Citibank and Sears are no longer able to meet our needs.

I have had this card for a year now. They are always changing some policy. My balance as went from 5,000 to 2,500 for what reason I'm not sure. They say it was after reviewing my account. I plan on paying it off and leaving citibank. I would look for another card to purchase things at Sears with.

If I had known citibank had control of the sears gold mastercard,I would not have gotten the card. My limit was dropped from 12k down to 5k one day.I had a balance of over the 5k.Thats when I started getting hit with over credit fees etc. etc .etc.The person I contacted was very rude and told me they could do things like this anytime they wanted to. Then came the bullcrap about being late one time. I have pulled my last six payments prior to this downgrade and can verify there was not a late payment due to any fault of mine.. I believe this falls in the category of a sham job for illegal collections. I plan on turning all of this over to a lawyer to find out the truth of the matter with this con artist from Citi south dakota I talked to a couple of months ago. Citi is falling flat on their butts at the present. I can actually understand why after talking to the jerk I talked to Also my APR was jacked to max.