"Sears Solutions Mastercard"
Sears MasterCard® Review
Written by: jemannie on 2010-09-26
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
jemannie's review: 
I was only walking through Sears yesterday when I saw a huge clearance sale going on. I needed some more shirts for work so I picked out a few and went to checkout. The woman in front of me was applying for a card so I asked the cashier for an application. She handed me the Mastercard app but I told her that I prefered to try for the regular Sears card due to rebuilding and didn't want to push it too far. The woman in front of me was denied for the Sears Mastercard so of course I was a little nervous. Well I was denied for through Citibank but was approved for what I guess is an alternate card through HSBC instead. The cl is $400 and annual fee of $59. I'm not going to complain because about 6 to 7 months ago, I was denied altogether at Sears. This means my rebuilding is working!! Not so sure what my scores are at this time though. At the beginning of the month, TU & EX were in the high 500's & EQ was in the low 500. I make sure to pay my cards down to below a 25% balance every month so that my scores can keep increasing though. I'll update when I find out my scores and the rest of the info.
I was only walking through Sears yesterday when I saw a huge clearance sale going on. I needed some more shirts for work so I picked out a few and went to checkout. The woman in front of me was applying for a card so I asked the cashier for an application. She handed me the Mastercard app but I told her that I prefered to try for the regular Sears card due to rebuilding and didn't want to push it too far. The woman in front of me was denied for the Sears Mastercard so of course I was a little nervous. Well I was denied for through Citibank but was approved for what I guess is an alternate card through HSBC instead. The cl is $400 and annual fee of $59. I'm not going to complain because about 6 to 7 months ago, I was denied altogether at Sears. This means my rebuilding is working!! Not so sure what my scores are at this time though. At the beginning of the month, TU & EX were in the high 500's & EQ was in the low 500. I make sure to pay my cards down to below a 25% balance every month so that my scores can keep increasing though. I'll update when I find out my scores and the rest of the info.
4 Comments
Comment 3 by mrrob
Re: Sears Solutions Mastercard 
on 2010-09-27
Wow didn't know HSBC picked up the Sears card. Congrats, I wonder if you can upgrade from the HSBC sears to the Citibank Sears?
on 2010-09-27 Wow didn't know HSBC picked up the Sears card. Congrats, I wonder if you can upgrade from the HSBC sears to the Citibank Sears?
Comment 4 by james d yee
Re: Sears Solutions Mastercard on 2012-08-21
Hey Mrrob, HSBC did in fact decide to partner with Sears and offer a card for those that don't quite qualify for a Sears card issued by Citibank. However, HSBC's card is one of the types of accounts being switched over to Capital One.
As for upgrading to the Citi cards from the HSBC/Capital One card, it is possible with good payment history, but it is not exactly guaranteed. It is almost like any other credit decision a creditor must make...
on 2012-08-21 Hey Mrrob, HSBC did in fact decide to partner with Sears and offer a card for those that don't quite qualify for a Sears card issued by Citibank. However, HSBC's card is one of the types of accounts being switched over to Capital One.As for upgrading to the Citi cards from the HSBC/Capital One card, it is possible with good payment history, but it is not exactly guaranteed. It is almost like any other credit decision a creditor must make...
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Disclaimer: This content is not provided by Citibank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citibank. Review content is powered by Finance Globe.
