Sears Mastercard / Credit Card

If you have a SEARS Mastercard or any credit card, I

have an advice for you :

1) TEAR YOUR CARD AND CLOSE YOUR ACCOUNT IMMEDIATELY !

2) Call the Sears card several times and do not take a

service rep's reply as the final word, since each time

you call, you may get a different response.

This is what happened to me :

1) Worst customer service, and non-existent Fraudulent

Claims Department.

I have a Sears card which I used to make 1 purchase:

an appliance from Sears several years ago.

Last year, someone used my Sears card number to pay

for an ISP service (about $20) which I never used. I

had to file for a fraudulent charge and submitted an

affidavit, which I did very willingly. Seven months

later, no response or reply from Sears regarding my

dispute case. Each time I want to make a payment, I

was told that I didn't have to since that charge was

in dispute, and I would get a credit back of all

finance charge or late fee payment. Well, after 7

months, my $20 charge is now compounded by over 32.24%

finance charge with a $39 monthly late fee, and guess

what, the last customer service manager said those

finance charge and late fee are NOT DISPUTABLE.

I know have over $500 in charges which i finally paid,

from an initial $20 unauthorized charge.

2) REWARDS PROGRAM - a program without rewards

I was automatically signed up for a rewards program,

which was fine until I tried to redeem points. No

reward ever came on a gift card I redeemed. 6 customer

service calls and I gave up all hopes. When I tried to

stop the rewards program since I don't plan on using

that anymore, all my remaining points vanished,

without ever a explanation from customer service rep

that any unused points will disappear once the rewards

program ends.

So, my advice to you, ask and make sure you understand

Sears card policy. Ask again, since someone else may

give you a different explanation. What Sears card rep

does not tell you now will come back and bite you big

time later.

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