How can I pay my Sears Store Card?

Your Sears Store Card minimum payment is equal to the balance owed, if it is less than $25. For balances above $25, Citi, the issuer, charges 1% of the balance due for the billing period plus any interest owed.

Cardholders must also pay any past-due or over-limit amounts and any late-payment fees.… read full answer

You’re obligated to pay at least your minimum payment by the due date for your account to remain in good standing. If you don’t pay at least the minimum payment by the due date, you’ll be charged a late fee of at least $28 ($39 for any additional past due payment during the next six billing cycles after a past due payment).

The Citi credit card minimum payment is either 1% of the statement balance, plus interest and late fees or 1.5% of the full balance plus any past-due, overlimit or Citi Flex Plan amounts - whichever is higher. If the entire balance is $35 or lower, then the balance amount is the minimum payment. To see your Citi credit card minimum payment, check your monthly statement from your … read full answeronline account.

How the Citi credit card minimum payment is generally calculated:

Any past due, overlimit or Citi Flex plan amounts, plus the highest of:

• Your statement balance, if it's less than $35
• $35, if your statement balance is at least $35
• 1% of your statement balance, plus interest and fees
• 1.5% of your statement balance

To see how minimum payments are calculated for any particular Citi credit card, you can also visit Citibank's dedicated web page and view the credit card agreement for the card you're interested in.

A Citi credit card minimum payment is the least amount you’re obligated to pay by the due date for your account to remain in good standing. You can pay all or part of your account balance at any time. If you don’t pay at least the minimum payment by the due date, you’ll normally be charged a late fee up to $40. And your credit score will also take a hit if you fail to make multiple minimum payments.

What you should consider before making just the minimum payment on your Citi credit card:

If you only make the minimum payment each month, any unpaid balance will start to accrue interest. Some Citi credit cards offer an introductory 0% APR period, but any remaining balances will accrue interest at the cards' regular APRs after that. Future new purchases will also start accruing interest from their purchase date once you’re already carrying a balance.

Paying more than the minimum payment each month will reduce your interest charges. Better yet, avoid interest charges altogether by paying the balance in full, if possible.