How does Sears Credit Card purchase protection work?

Citibank purchase protection covers the damage or theft of eligible purchases for up to 120 days after the purchase date. Purchase protection will reimburse eligible Citibank cardholders up to $1,000 per item and up to $50,000 per year. Be aware that not all types of purchases are covered under Citibank purchase protection.... read full answer

How to File a Purchase Protection Claim with Citibank

1. Call the Benefit Administrator within 60 days of the incident at 1-866-918-4670 or the number in your card’s benefits guide.
2. File a police report within 48 hours of the incident, if the item was stolen.
3. Submit a completed claim form within 180 days of the incident.
4. Wait for a decision. Citibank will notify you of a decision once your claim has been processed, which could take up to 15 days.
5. Get reimbursed for the cost of repairing or replacing the item, if your claim is validated by the Benefit Administrator.

Purchase protection does not come on every Citibank credit card. For specific details on your Citibank credit card’s purchase protection, read through the guide to benefits that came with your card.

To dispute a Sears Credit Card charge, log in to your Sears Credit Card account online and search for the transaction to dispute, or call Citibank customer service at 1 (800) 950-5114. Alternatively, the address to dispute a charge by mail is:

Citibank Customer Service
PO Box 6500
Sioux Falls, SD 57117

Sears Credit Card disputes are typically resolved within 30 days, though more complex issues may take a little longer.... read full answer

How to Dispute a Sears Credit Card Charge Online

1. Log in to your online account.
2. Click the "Account Details" tab.
3. Search for the transaction in question.
4. Select the transaction for more details.
5. Click "Dispute Charge" to open an inquiry.
6. Check for a confirmation e-mail from Citibank verifying receipt of the inquiry.

Before you dispute a charge through Citibank, you should first contact the merchant associated with the charge on your card. Merchants have easier access to your purchase information and should be better able to quickly remedy the issue. If for some reason, the merchant is unable or unwilling to work with you on a disputed charge, you can then file a dispute with Citibank.

Once you’ve initiated the dispute, Citibank will then contact the merchant and review any information provided by both parties. You won’t be charged for the disputed transaction, nor any associated fees or interest, while the dispute is under investigation. And you can still use your Sears Credit Card as you normally would while a dispute is ongoing.

Citibank will notify you of the outcome of the dispute after they’ve completed their investigation. They will either issue a chargeback to your account for the contested amount, or allow the charge to stand. If the disputed charge is ruled to be valid, you would then have to pay that amount, including any applicable fees and interest charges that accrued during the dispute, starting from the original purchase date.

You can use your Sears Credit Card anywhere Mastercard is accepted. That means that you can use this card almost anywhere they take credit cards as a payment method.

The Sears Store Card, on the other hand, can only be used:

• In Sears stores and on Sears.com
• At Kmart
• In Lands’End stores and ... read full answerLandsend.com
• At all members of Sears Holdings family of companies (like Sears Hardware, Sears Auto Centers, or Sears Flowers)