I have had a Sears credit card since 2005. The only reason I got it was because I was early in the game in establishing credit, I only had one crappy secured credit card to my name with an annual fee that I was eager to displace, and when I went to buy clothes at Sears in person one day, I was offered the card with a $30 statement credit so I just said sure.

12 years later it's a really lousy card and I would love to get a product change. I inquired about this to Citi in March and they said no.

I did some searching on here and there doesn't appear to be anything recent about this, and was wondering if anyone had any further insight or news about this. I've read things like how the line of credit doesn't come from Citibank and Citi just manages the card. One thing I've noticed is that you can't even access the account with Citi's regular website or on the Citi app (you need to go to a special website just for the Sears card), I guess demonstrating just how little Citi wants to do with the card anymore.

My questions are these:

1) Has anyone had any success with a product change?

2) Can you convert Shop Your Way points to Thank You points, or does that only work in one direction (TY to SYW)? I don't plan on setting foot in Sears again.

3) How long of an inactivity period is it before Citi/Sears will just cancel the card on you? I'm not particularly motivated to even make a token purchase to keep it going just because it's such a terrible card. But I don't want to go out of my way to cancel it either since there's no downside to having it and I don't want to negatively impact my credit score.