How to Cancel a Sears Credit Card and How to Treat a Stolen Sears Credit Card
Cancellation may not be as easy as cutting it with the use of scissors. A credit card may be cancelled by its title holder to curb his own extravagant lifestyle and excessive spending; and/or to protect one’s self against identity theft and abusive authorized users like spoiled children, a wife who is a compulsive shopper, or even vengeful exes. It also makes sense to cancel an existing credit card when it is unnecessarily costing money while being left unused or if a better credit card deal is made available. However, credit card cancellation has a possible effect on your credit standing. It is then important to settle all the remaining balance prior to cancellation and the remainder should be zero.
Contact Sears Credit Card customer service at 1-800-267-1660 toll-free and express your intention to cancel your Sears Credit Card. Pay the remaining balance in full before canceling the credit card. For added guarantee, write a short cancellation letter to the card issuer, this will serve as documented and recorded evidence of the cancellation. Furthermore, one can include the details of the cancellation upon the request of the card holder and not by the card issuer for purposes of credit evaluation. If necessary, do routine checks and follow up on the status of the credit card cancellation request. This may take a month to process; patience and diligence will come in handy.
In case of theft or loss call the Sears toll-free number: 1-800-265-3675. State the date of theft or loss, credit card details, and other pertinent data regarding the lost or stolen Sears Credit Card. Sears does not currently provide an online method for reporting a lost or stolen Sears Card. It is best to inform the card issuer immediately to prevent possible fraud.
Introduction about a Sears Credit Card
Business and purchase transactions are now made easier with the creation of the credit card. The concept of a credit card use has been in existence since the 1900s. The credit card was not only meant to facilitate business in the retail industry; one of its earliest functions was to build customer loyalty and foster better customer service. Hence, Sears issued its own plastic Sears Credit Card.
Aside from the usual features customary to a credit card, the Sears Credit Card includes many discounts and bonuses plus a chance to earn points for every dollar spent using it. Shopping is then made more fun using the Sears Credit Card. This card can be used at Sears department stores, Kmart, Sears Auto Center, Avis, and other partner companies.
One has the option to directly apply at the Sears store counter for a Sears Credit Card. It can also be done through mail application, online through Citicard, and over the phone through Sears Credit Card customer service. Note that there are four different types of Sears Credit Card that address the customers’ needs. Choosing the type that will best suit one’s lifestyle and financial capability is vital in maximizing the benefits and use of this card.
Just like any other credit card application, one may face rejection or in some instances one may be a fortunate recipient of an unsolicited credit card offer. To some, these promotional offers may look appealing but to those who have a traumatic credit trap experience, these deals are treated with great caution and sometimes indifference. One must then educate himself about the rates, penalties and charges involved when using the credit card in order to steer clear of the credit trap. Not bothering with the terms and conditions written in small print will most likely cost you or worse leave you sinking in debt. Even when offered without an annual fee, some still opt to cancel their Sears Credit card. So how does one go about canceling a used Sears Credit Card or an unused one for that matter?