Dec 27, 2020, 9:16 pm
Last edit by: yugi
What counted as online purchase with Sears card (alphabetical order)
Credit Line Increases
This is very odd, but according to the Chatbot on the website:
Q. When requesting a credit limit increase, is the credit inquiry a hard or soft credit inquiry?
A. Unfortunately, until we process the request, there isn't a way for us to know if a credit line increase request will be a soft or hard hit on your credit report. For this reason, we have to receive your permission to pull a copy of your credit report before we process the increase request. If you process the request online, you will see a message stating "By submitting this form, you authorize Citibank, N.A. to obtain your credit report."
To request an increase online:
In order to request an increase, you will need to go to your “Credit Home” page, and find “Available Credit” at the top of the page. Then, click on the link that says “Request Increase” to begin the process.
- Amazon purchase or re-load
- Carters.com (Merchandise-CHILDRENS / INFANTS WEAR STORE)
- Costco.com
- Ebay seller fees (direct entry) (MCC: N/A)
- Fluz (MCC varies, YMMV)
- Gift Card Mall
- Homedepot.com (Merchandise-HOME SUPPLY WAREHOUSE STORES)
- Iherb.com (Merchandise-MISC FOOD STORE,SPECIALTY,CONVENIENCE)
- Kygunco.com (Merchandise-DURABLE GOODS, NOT ELSEWHERE CLASSIFIED)
- Lockedloaded.com (Merchandise-SPORTING GOODS STORES)
- MileagePlusX (MCC varies)
- Pirateship.com (Services-COURIER SERVICE, FREIGHT FORWARDERS)
- Plastiq (Restaurants-UTILITIES-ELECTRIC,GAS,SANITARY,WATER)
- Scholastic.com (Organizations-MISC SCHOOLS / EDUCATIONAL SERVICES)
- Usmint.gov (Services-MISC GOVERNMENT SERVICES)
- united.com (Air Travel-UNITED AIRLINES)
- Fluz (MCC varies, YMMV)
- Geico.com (Services-INSURANCE-SALES / UNDERWRITING)
- Paypal (MCC varies)
- Cable, Satellite, TV (Restaurants-CABLE,SATELLITE,PAY TV/RADIO SERVICES)
- Telecom (Restaurants-TELEPHONE SERVICE)
- Telecom (Services-TELEPHONE SERVICE/EQUIPMENT)
- Utilities (Restaurants-UTILITIES-ELECTRIC,GAS,SANITARY,WATER)
- VRBO
Credit Line Increases
This is very odd, but according to the Chatbot on the website:
Q. When requesting a credit limit increase, is the credit inquiry a hard or soft credit inquiry?
A. Unfortunately, until we process the request, there isn't a way for us to know if a credit line increase request will be a soft or hard hit on your credit report. For this reason, we have to receive your permission to pull a copy of your credit report before we process the increase request. If you process the request online, you will see a message stating "By submitting this form, you authorize Citibank, N.A. to obtain your credit report."
To request an increase online:
In order to request an increase, you will need to go to your “Credit Home” page, and find “Available Credit” at the top of the page. Then, click on the link that says “Request Increase” to begin the process.
Citi Sears Cards (2014 - 2023)
May 29, 2020, 12:10 pm
#226
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 1,251
I tried to increase my CL over the phone from $4500 to $13500 and got declined with the following reasons:
• Too many inquiries last 12 months
• Length of time accounts have been established
• Proportion of loan balances to loan amounts is too high
• Time since most recent account opening is too short
• Too many inquiries last 12 months
• Length of time accounts have been established
• Proportion of loan balances to loan amounts is too high
• Time since most recent account opening is too short
May 29, 2020, 12:11 pm
#227
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 1,251
Couple of questions on 2 different promotions:
- 5X at gas stations, grocery stores, & restaurants between 12/01/19 - 3/31/20 (up to a maximum total 20,000).
These points usually post after about 2 months and it's been more than 2 billing cycles. Did anyone get their points for this promotion yet?
- For the current (5/1/2020 – 7/31/2020) online purchases 5X bonus, would paying rent online directly with the property management work? Fees are very minimal and the rent will take care about $1K in "online" spending.
Thanks folks!
- 5X at gas stations, grocery stores, & restaurants between 12/01/19 - 3/31/20 (up to a maximum total 20,000).
These points usually post after about 2 months and it's been more than 2 billing cycles. Did anyone get their points for this promotion yet?
- For the current (5/1/2020 – 7/31/2020) online purchases 5X bonus, would paying rent online directly with the property management work? Fees are very minimal and the rent will take care about $1K in "online" spending.
Thanks folks!
what counts as online is pretty murky with sears. i'm not sure they even follow the same rules as the inscrutable ATT card
May 29, 2020, 12:55 pm
#228
Join Date: May 2020
Posts: 13
I took the chance and paid about $500 in rent online - worst case scenario would be loosing 2500 points, but this DP will be useful in the future.
Jun 4, 2020, 1:03 pm
#229
Join Date: Jun 2020
Posts: 1
Were you able to get it converted to the TYP-earning version of the card? If so, how did you accomplish this? Did you call the number on back of the SYWR card? Which department did you ask for? Thank you!
Jun 5, 2020, 8:53 am
#230
Join Date: Jan 2014
Location: TYS/BNA/ATL
Programs: UR, TYP, MR, C1, AA, UA, WN, BA, AS, AV, AC, Choice, Hyatt, IHG, Hilton, Wyndham, Marriott
Posts: 1,973
walmart can be wonky - depends if its a super center or neighborhood store or what not.....but the sears promo may have their own crazy rule set, and its difficult to 'error trap' how coding is since one just gets strange/large lumpsums months later with no easy way to reconcile.
but given how juicy these are, i can deal with the strangeness.
but given how juicy these are, i can deal with the strangeness.
Jun 5, 2020, 8:57 am
#231
Join Date: Jan 2014
Location: TYS/BNA/ATL
Programs: UR, TYP, MR, C1, AA, UA, WN, BA, AS, AV, AC, Choice, Hyatt, IHG, Hilton, Wyndham, Marriott
Posts: 1,973
It was 2 years ago, I called the number on the back after receiving a card, and was told I need to call after first statement closes, so I did, and was converted to the TYP version.
Jun 12, 2020, 9:23 am
#232
Join Date: Dec 2013
Posts: 81
Got three separate promos posted on May 19th, even though they were posted within the past week. Always weird with these promos, but nice to see them hitting finally!
Jun 22, 2020, 4:40 pm
#233
Join Date: Mar 2015
Location: USA
Posts: 53
Hi, has there been any data points on Plastiq working for these Sears offers? TIA!
Jun 23, 2020, 11:18 am
#234
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 1,251
yes plastiq works for things like general spending requirements
unknown if it counts for 'online'
unknown if it counts for 'online'
Jun 23, 2020, 8:42 pm
#235
Join Date: Jan 2014
Location: TYS/BNA/ATL
Programs: UR, TYP, MR, C1, AA, UA, WN, BA, AS, AV, AC, Choice, Hyatt, IHG, Hilton, Wyndham, Marriott
Posts: 1,973
Jul 3, 2020, 7:38 am
#237
Join Date: Jan 2014
Location: TYS/BNA/ATL
Programs: UR, TYP, MR, C1, AA, UA, WN, BA, AS, AV, AC, Choice, Hyatt, IHG, Hilton, Wyndham, Marriott
Posts: 1,973
Jul 10, 2020, 9:38 pm
#238
Join Date: Jul 2017
Posts: 95
Is the SYW card a cash back card? Can points earned be redeemed as statement credit?
Jul 11, 2020, 2:30 pm
#239
Join Date: Jul 2020
Posts: 124
Had the SYW points version of this card for about 2 years now and been getting great overlapping statement credit offers nonstop for the past year. The latest offer expired last month and I still haven't gotten a new one yet. This happening to anybody else, or maybe Citi is just being weird and will send me a promo email/mailer later in the month?
Jul 11, 2020, 4:43 pm
#240
Join Date: Jul 2020
Posts: 124
The SYW card gives points, and the points can only be used at Sears and Kmart. The thing most people find valuable about this card is that it tends to give extremely generous spending bonuses as a statement credit. I've been getting 10-20% back offers for a while now.