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Any Recent Sears Upgrades?

Senior Contributor

Any Recent Sears Upgrades?

Got a letter in the mail today that Sears wants to upgrade our store card to the MC version.  From what I can tell, they're almost the same.  Most importantly to us, it looks like we will still be eligible for 0% type offers with the MC.  Has anyone been upgraded lately?  Did it come with a CLI by any chance?

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Message 1 of 9
8 REPLIES
Frequent Contributor

Re: Any Recent Sears Upgrades?

I have a bad taste in my mouth from Sears card!  Do you mind shareing your APR?


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Message 2 of 9
Frequent Contributor

Re: Any Recent Sears Upgrades?

They told me a couple months back when i requested a credit limit increase that I would have to apply for it. Got a $200 CLI..what a waste of a hard pull.

Message 3 of 9
Senior Contributor

Re: Any Recent Sears Upgrades?


BigDaddy18 wrote:

I have a bad taste in my mouth from Sears card!  Do you mind shareing your APR?


What don't you like about it?  It's 25.24%.  That's what the new card will have too, I think.

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Message 4 of 9
Senior Contributor

Re: Any Recent Sears Upgrades?


Mike360 wrote:

They told me a couple months back when i requested a credit limit increase that I would have to apply for it. Got a $200 CLI..what a waste of a hard pull.


Blah!  Definitely won't waste the time then!

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Message 5 of 9
Highlighted
Frequent Contributor

Re: Any Recent Sears Upgrades?


laz98 wrote:

BigDaddy18 wrote:

I have a bad taste in my mouth from Sears card!  Do you mind shareing your APR?


What don't you like about it?  It's 25.24%.  That's what the new card will have too, I think.



I will of course start out by saying that it's really my fault for over extending myself when I was younger and got the card back in 93'.  The main reason I don't care for their card is because of the APR's.  I don't know of too many people that have low APR's on this card and really this is how they make their money on most people.  I know for a fact that their are much more reasonable cards out their like the ones I have now but again the SEARS card is just not a very good card in my humble opinion.


Starting Score: EQ FICO 777
Current Score: EQ FICO 803
Goal Score: EQ FICO 810


Take the FICO Fitness Challenge

Message 6 of 9
Senior Contributor

Re: Any Recent Sears Upgrades?


BigDaddy18 wrote:

laz98 wrote:

BigDaddy18 wrote:

I have a bad taste in my mouth from Sears card!  Do you mind shareing your APR?


What don't you like about it?  It's 25.24%.  That's what the new card will have too, I think.


I will of course start out by saying that it's really my fault for over extending myself when I was younger and got the card back in 93'.  The main reason I don't care for their card is because of the APR's.  I don't know of too many people that have low APR's on this card and really this is how they make their money on most people.  I know for a fact that their are much more reasonable cards out their like the ones I have now but again the SEARS card is just not a very good card in my humble opinion.


Yeah, I've kind of accepted that store cards are not going to have stellar APRs.  The ones that I can use for 0% offers, I do, & I try not to use them for anything else.  I won't lie & say I never do, though.  The store cards that we have that don't have those kinds of offers, we just try not to use or run up.

 

We got this card when we were shopping for a freezer.  To be honest, I didn't think we would get it, but we did.  Haven't used it since we paid it off, though.  I was pretty surprised they even offered to upgrade it!  We got it in March 2011, & paid it off in February 2012.  I guess it hasn't been as long as I thought!

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Message 7 of 9
Established Contributor

Re: Any Recent Sears Upgrades?

Is there any way to apply for the citi MC online?

NOT for me though! lol

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

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Message 8 of 9
Senior Contributor

Re: Any Recent Sears Upgrades?

i think you can apply for both online.

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Message 9 of 9