Sears Solutions Mastercard
In cooperation with HSBC Bank, Sears releases its Sears Solutions MasterCard which offers a wide range of services that are not present in the basic card. Application for this card type can be conveniently done online by filling out the form provided on their site. Usually thought, application is made for getting the basic Sears Credit Card, upon which Sears will upgrade the card to Solutions MasterCard Status after a user retains a position of good standing.
Sears Solutions MasterCard Perks
The great thing about this card is that it may be used in various ATM machines in different places worldwide. However, the card’s best feature yet is the No Interests/No Payments condition that Sears announces to its users from time to time. This promo usually runs for twelve months, making it possible for Sears card holders to shop to their hearts content. Special discounts are also offered to users along with the No Annual Fee perk that makes it attractive for prospective cardholders.
Other Sears card perks include the Choice Rewards Program and the optional AccountCare and Life and Health Insurance. This particular card type also comes with high limits or may be adjusted to suit the user’s spending habits.
Choice Rewards Program makes it possible for card holders to accumulate points which they can exchange for great items while the AccountCare feature cancels out up to $500 in payment in case of job loss, accident or other unplanned events.
Returns are also made more convenient for Gold status users, affording them the No Receipt Returns Policy, applicable for any purchases done through the credit card. An additional feature called “Shopping Pass” also makes it possible for cardholders to use their cards without actually having it on hand. Stores would only need to look up their information on the database and they can have their purchases automatically credited to the card without it being physically present.
As per liability, Sears protects its users from unauthorized use of the card by other people. To do this, Sears credits back the amount purchased to the account, ensuring that the user doesn’t have to suffer from the incident.
Sears Solutions MasterCard Rates
For purchases, the interest rate for the Gold card is around twenty one percent and about twenty-five percent for cash advances. Compared to the basic Sears Credit Card, these rates are lower and are therefore more ideal for frequent Sears shoppers.