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Sears Credit Card Services
Alvin Said:Questions:>About this company Sears Shop At Home Synapse Group INC.?
We Answered:Sounds like a scam bro. You should have that credit card cancelled as soon as possible. They're gonna keep hittin you up and then give you the run around while they spend your money........
Bryan Said:Sears Credit Card?
We Answered:If you don't want the card, then go ahead and cancel it. However, having the card will only help your credit and closing it could bring your score down a few points. Having it and not using it does not harm you at all.
The article below is about cleaning up your credit score, but it gives several very good descriptions of how credit works.
Hope this helps.
Ernest Said:What is the address to send a small claims court summons to Sears credit card administered by Citibank?
We Answered:You can serve the address shown on your statement.
Good luck with that.
Lewis Said:why does citibank think offering a gift card to the axis of evil will make me keep their service?
We Answered:LMAO - you got that off your chest.
They should offer something really worthwhile - NO FEES!
Fat chance of that.
Peter Said:Missed credit card payment due to bill not received from credit card company, do I have a chance to retify it?
We Answered:Call the card issuer, they can update the record with the credit bureau, or you can dispute it through the credit bureau. From no on now that they have the correct address and considering on time payments it will show positive on the report.
Amanda Said:I think "SEARS" screwed me..what do u think?
We Answered:The card was issued to a particular person with an income and a credit history. They checked out and verified both those things before they issued the credit card.
You expect them to agree to transfer that credit liability to a different person, one who hasn't been checked out and verified, one who may not have the same income or as good of a credit history.
Why should they do that? It would be a really bad business decision on their part if they did.
You're lucky you got the benefits of your late husband's credit for nine years after his death. Most widows don't get that.
I'm really sorry for your financial situation -- but please don't blame Sears for simply following good business practices.
Lorraine Said:Closing a credit card?
We Answered:Call them and ask them to close it. To make sure that they don't charge you for extra charges afterwards, ask them to send you a confirmation by mail that they actually closed it. do it in this order:
* Notify Sears Mastercard by phone.
* Follow up by notifying them in writing. Ask the company to report to credit bureaus that the account was closed at your request. Check your credit report in a few months to make sure that was done.
* Get a copy of your credit report and make sure it's accurate.
* After you've closed an account, keep the paperwork the company sends you showing the account has been shut. You might need it if there are disputes over the account.
To your question about how it affects your credit score:
Yes. When you cancel unused credit cards without paying down your credit debt, you change your debt-to-equity ratio so it appears as though you're closer to being overextended.
If you did not have a large credit line on your card, I would not worry about that.
I would still close it. Nothing like the peace of mind that you have, when you know that you have one less credit card to worry about.
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