Account Statement

Customer Service: Send Notice of Billing Errors and Customer Service Inquiries to:
SEARS CREDIT CARDS
searscard.com PO Box 6282, Sioux Falls, SD 57117-6282
Account Inquiries:
1-800-669-8488 (TTY: 711) Account Number: xxxx xxxx xxxx 3452

Summary of Account Activity Payment Information

Previous Balance $1,019.87 New Balance $11,385.26
Payments -$150.00 Minimum Payment Due $171.00
Other Credits -$0.00
Payment Due Date March 8, 2024
Purchases +$10,000.00
Cash Advances +$0.00 Late Payment Warning: If we do not receive your minimum payment by the
Fees Charged +$500.00 date listed above, you may have to pay a late fee up to $40.
Interest Charged +$15.39 Minimum Payment Warning: If you make only the minimum payment each
New Balance $11,385.26 period, you will pay more in interest and it will take you longer to pay off your
balance. For example:
Past Due Amount $0.00 If you make no additional You will pay off the And you will
charges using this card balance shown on this end up paying an
Credit Limit $13,500.00 and each month you pay... statement in about... estimated total of...
Available Credit $2,114.00
Cash Advance Limit $50.00 Only the minimum payment 24 years $25,656
Available Cash Limit $50.00 $12,609
$350 3 years
Amount Over Credit Limit $0.00 (Savings=$13,047)
Statement Closing Date 02/09/2024 If you would like information about credit counseling services, call 1-877-337-8187
(TTY: 711).
Next Statement Closing Date 03/12/2024
Days in Billing Cycle 28

Marketing offers included in this statement are intended for residents of the United States and its Territories.
TRANSACTIONS
Trans Date Description Reference # Amount
CARD ENDING 3452 PAT STACK
02/02 BALANCE TRN AMERICAN EXPRESS-ALL PRODUCT 8512106DHEHW7FTMS $ 10,000.00
BCID 09861400395
TOTAL CARD ENDING 3452 $ 10,000.00
.
02/01 PAYMENT - THANK YOU 8512106DG09ALWN9S $ 150.00-

Your ThankYou® Points Total Is: 769

as of 01-31-24
See Page 3 to learn about redeeming Points.
ME 6
PLEASE SEE IMPORTANT INFORMATION ON PAGE 2. Page 1 of 4 This Account is Issued by Citibank, N.A.
ê Please detach and return lower portion with your payment to ensure proper credit. Retain upper portion for your records. ê
Your Account Number is xxxx xxxx xxxx 3452

Payment Due Date March 8, 2024

Managing your account
is now easier than ever. New Balance $11,385.26
PO BOX 6286
Managing your account online is Past Due Amount $0.00
SIOUX FALLS, SD 57117-6286
fast and easy. Pay your bills, set up Minimum Payment Due $171.00
Statement Enclosed
alerts and more – on the go.
Sign up for online account
management at searscard.com
Please see reverse side to change your address.
Make Checks Payable to

SEARS CREDIT CARDS

PAT STACK PO BOX 78051
PO BOX 2294 PHOENIX, AZ 85062-8051
BETHEL ISLAND, CA 94511-3294
Information About Your Account. • Agent-Assisted Phone Payments. If you call us to make a payment with the assistance
How to Avoid Paying Interest on Purchases. Your payment due date is at least 25 days of a live agent, the payment will be applied the same day and you will be charged a $5.00
after the close of each billing cycle. We will not charge you any interest on purchases if you agent expedited payment fee.
pay your New Balance by the payment due date each month. This is called a grace period • Express Mail. Send payment by express mail to: Consumer Payment Dept., 6716 Grade
on purchases. To get a grace period on purchases, you must pay the New Balance by the Lane, Building 9, Suite 910, Louisville, KY 40213.
payment due date every billing cycle. If you do not, you will not get a grace period until you • Crediting Payments other than by Mail. The payment cutoff time for Online bill
pay the New Balance for two billing cycles in a row. We will begin charging interest on cash payments, Phone payments, and Express Mail payments is midnight Eastern time. This
advances and balance transfers (if available on your account) on the transaction date. means that we will credit your account as of the calendar day, based on Eastern time, that
If you have a balance subject to a deferred interest promotion and that promotion does not we receive your payment request.
expire before the payment due date, that balance (an “excluded balance”) is excluded from If you send an eligible check with this payment coupon, you authorize us to complete
the amount you must pay in full to get a grace period on a purchase balance other than an your payment by electronic debit. If we do, the checking account will be debited in the
excluded balance. In addition, if you have a major purchase plan balance, that balance (an amount on the check. We may do this as soon as the day we receive the check. Also, the
“excluded balance”) is excluded from the amount you must pay in full to get a grace period check will be destroyed.
on a purchase balance other than an excluded balance. However, you must still pay any Credit Reporting Disputes. We may report information about your account to credit
separately required payment on the excluded balance. In billing cycles in which payments are bureaus. If you think we reported inaccurate information, please write us at: Credit Bureau
allocated to deferred interest balances first, the deferred interest balance will be reduced Dispute Verification, P.O. Box 6217, Sioux Falls, SD 57117.
before any other balance on the account. However, you will continue to get a grace period
on purchases, other than an excluded balance, so long as you pay the New Balance (less any Report a Lost or Stolen Card Immediately. Call the Account Inquiries number shown on
excluded balance, plus any separately required payment on an excluded balance) in full by Page 1.
the payment due date each billing cycle. What To Do If You Think You Find A Mistake On Your Statement. If you think there is an
In addition, certain promotional offers may take away the grace period on purchases. error on your statement, write to us at the address for billing errors and customer service
Other promotional offers not described above may also allow you to have a grace period on inquiries shown on Page 1 of your statement.
purchases without having to pay all or a portion of the promotional balance by the payment In your letter, give us the following information:
due date. If either is the case, the promotional offer will describe what happens. 1. Account information: Your name and account number.
How We Calculate Your Balance Subject to Interest Rate. We use a daily balance method 2. Dollar amount: The dollar amount of the suspected error.
(including current transactions) to calculate interest charges. To find out more information 3. Description of Problem: If you think there is an error on your bill, describe what you believe
about the balance computation method and how the resulting interest charges were is wrong and why you believe it is a mistake.
determined, contact us at the Account Inquiries number on the front. You must contact us within 60 days after the error appeared on your statement.
Balance Transfers. Balance transfer amounts are included in the “Purchases” line in the You must notify us of any potential errors in writing. You may call us, but if you do we are not
Summary of Account Activity (if balance transfers are available on your account). required to investigate any potential errors and you may have to pay the amount in question.
Other Account and Payment Information. While we investigate whether or not there has been an error, the following are true:
Payment Amount. You may pay all or part of your account balance at any time. However, • We cannot try to collect the amount in question, or report you as delinquent on that
you must pay, by the payment due date, at least the minimum payment due. amount.
When Your Payment Will Be Credited. If we receive your payment in proper form at our • The charge in question may remain on your statement, and we may continue to charge
processing facility by 5 p.m. local time there, it will be credited as of that day. A payment you interest on that amount. But, if we determine that we made a mistake, you will not
received there in proper form after that time will be credited as of the next day. Allow 5 have to pay the amount in question or any interest or other fees related to that amount.
to 7 days for payments by regular mail to reach us. There may be a delay of up to 5 days • While you do not have to pay the amount in question, you are responsible for the
in crediting a payment we receive that is not in proper form or is not sent to the correct remainder of your balance.
address. The correct address for regular mail is the address on the front of the payment • We can apply any unpaid amount against your credit limit.
coupon. The correct address for express mail is shown in the Express Mail section. Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are
Proper Form. For a payment sent by mail or courier to be in proper form, you must: dissatisfied with the goods or services that you have purchased with your credit card, and
• Enclose a valid check or money order. No cash, gift cards, or foreign currency please. you have tried in good faith to correct the problem with the merchant, you may have the
• Include your name and the last four digits of your account number. right not to pay the remaining amount due on the purchase.
To use this right, all of the following must be true:
Payment Other Than By Mail.
• In-Store (Where Available). Any payment in proper form accepted in-store will be 1. The purchase must have been made in your home state or within 100 miles of your current
credited as of that day. However, credit availability may be subject to verification of funds. mailing address, and the purchase price must have been more than $50. (Note: Neither of
Not all stores accept payments. Contact your local store to see if in-store payments are these are necessary if your purchase was based on an advertisement we mailed to you, or
accepted at that location. if we own the company that sold you the goods or services.)
• Online/AutoPay. Go to the URL on Page 1 of your statement to make a payment online. 2. You must have used your credit card for the purchase. Purchases made with cash
You can also enroll in AutoPay and have your payment amount automatically deducted advances from an ATM or with a check that accesses your credit card account do not
each month from the payment account you choose. qualify.
• Phone. Call the number on Page 1 of your statement to make a payment by phone. For 3. You must not yet have fully paid for the purchase.
phone payments, you authorize us to electronically debit your specified bank account by If all of the criteria above are met and you are still dissatisfied with the purchase, contact us
an ACH transaction in the amount and on the date that you indicate on the phone. You in writing at the address for billing errors and customer service inquiries shown on Page 1 of
may cancel a phone payment by calling us at the Customer Service number at the top of your statement.
Page 1 within the time period disclosed to you on the phone. There is no fee for making a While we investigate, the same rules apply to the disputed amount as discussed above. After
payment using our automated voice response system. we finish our investigation, we will tell you our decision. At that point, if we think you owe an
amount and you do not pay, we may report you as delinquent.
SMC/TGI/SCC/SCP/HIPs FEB20

/A/- ME - 1238-5300-0092 -/B/- EM - P - STYNOFEE - - -/C/- - 0 - - 94 -/D/- P - E - Y - 0 - Y -/E/- 0 - - - N - - 0 - 0 - 0 -/F/- 01/13/24 - 01/01/95 - 349 - January 12, 2024
-/G/- N - - - -/H/- 0 - - G52Q -V -/I/- V - - 0 - 0 - - -/J/- - - - 2101S - - 0721

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Easily manage your contact information

It’s important we have your current contact
information, so if anything changes (including your
email or mailing address or phone number), please
do one of the following to easily update your
information:
• You can update your contact information by logging
into your online account via the URL located in the
Customer Service section on the front of your
statement, or
• Call the Account Inquiries phone number located in
the Customer Service section on the front of your
statement
Account: **** **** **** 3452
TRANSACTIONS (cont.)
Trans Date Description Reference # Amount

FEES
02/02 BALANCE TRANSFER FEE $ 500.00
TOTAL FEES FOR THIS PERIOD $ 500.00

INTEREST CHARGED
02/09 INTEREST CHARGE ON PURCHASES $ 15.39
TOTAL INTEREST FOR THIS PERIOD $ 15.39

2024 Totals Year-to-Date

Total Fees Charged in 2024 $500.00
Total Interest Charged in 2024 $31.96

ACTIVITY AND PROMOTIONS DETAIL

Original Purchases,
Promotion Promo Payments Cash Adv, Promotion Deferred Promotion
Trans Trans Previous & Other Fees & Interest New Minimum Interest Expiration
Amount Date Balance Credits Other Debits Charged Balance Payment Due Charges Date
PURCHASES
REGULAR
- - $1,019.87 $150.00- - $15.39 $885.26 - - -
BALANCE TRANSFER
$10,000.00 02/02/24 - - $10,500.00 - $10,500.00 - - 07/2025
CASH ADVANCES
REGULAR
- - - - - - - - - -
TOTAL $1,019.87 $150.00- $10,500.00 $15.39 $11,385.26 $0.00 $0.00
If a promotional balance has a month / year expiration date, the promotional offer on that balance expires as of the Statement Closing Date occurring during that month / year.

INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Type of Balance Annual Percentage Rate (APR) Balance Subject to Interest Rate Interest Charge
PURCHASES
REGULAR 20.49% (D)(V) $979.30 $15.39
BALANCE TRANSFER 0.00% (D) $0.00 $0.00
CASH ADVANCES
REGULAR 29.99% (D)(V) $0.00 $0.00
(V) = Variable Rate (D) = Daily

THANKYOU POINTS EARNED ON SEARS MASTERCARD

ThankYou Member ID 8910232090158040
Base 1X on purchases 0
Points Earned This Billing Cycle 0

Visit thankyou.com or call 1-800-THANKYOU (842-6596)

(TTY: 711) to redeem points or see full rewards details.

Bonus Points may take one to two billing cycles to appear on your statement. Please refer to
the specific terms and conditions pertaining to the promotion for further details.

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Account: **** **** **** 3452

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