Shop Your Way

The WORST credit card you can get, FEW benefits, horrible interest rate, no loyalty, STAY FAR AWAY! MANY other credit cards that offer much more than this one does with more benefits!

I applied for a shop your way credit card several years ago before Kmart was closed. At first I figured I would not get one. But to my surprise I was accepted for a credit line of 750. Which was perfect for me. I could keep it payed up and use mostly for emergency situations. In the time I had this card I paid it off twice and only owe 81.57 at this current moment. However, due to an issue with a different lender, which I was attempting to get payed, who wanted the money as in yesterday refused to work with me in paying it off. Because I did not have the money at that moment (598.00) they red flagged my credit. Because of that Shop your way slashed by credit line for 750.00 to 250. Not even taking into account by payment history. I payed the card off twice and owe only 82.00 at the current moment. Several attempts to get them to raise my limit back to 750 was unsuccessful. To anyone who is considering a shop your way master card, consider looking somewhere else for a credit line. They are not worth the trouble. Shop your way credit card was sent back with a finally payment and a card cut into four pieces. They have no loyalty to their customers and will never have that positive consideration for those if an issue should pop
Up. Bad business. Bad business

Many years ago I had K-Mart & Sears accounts, which included my credit card info, which apparently migrated to Shop Your Way. In 2022 I tried to cancel the Shop Your Way account, but the only way to do that and remove my credit card & personal info was to email an unspecified person at another company. Shop Your Way says my account is closed but they apparently retain personal data permanently.

No REAL help... Just teases about return calls or the usual from an incompetent company instructing you to use the USELESS automated systems and/or FAQs... Maybe answering an email after a few days then going into Never-Never Land with no follow up.

Purchased over $400 in points July 2018. All went well. 2nd purchased $171 in points in August 2019. That was a disaster. They charged my credit card! SHOCKER. It took me 4 months to clear this up. Sears/syw does not have a way to reverse the charges from my credit card and place them against my points! WHAT?! After 4 months of calling SWY/Sears and CitiBank and cursing like a mad person, Citi Bank decided to credit my credit card.
(To my advantage: This is interestingly. Because Sears had no way of going back into their system to charge the purchase to the points, they ended up losing. Because the bank credited my credit card, and I ended up with an $171 in points that I can now use for future purchases! Go figure.

I WILL NEVER USE THIS SEARS/SYW CARD AGAIN! It is not worth my time and stress. All the items are OVERPRICED anyway!

They closed my account for no reason with no explanation. I spoke to them on the 2nd of the month saying that I misplaced my card iin my home and asked them to send me a new one. They said fine look for it in the mail then I get a email stating my account is closed. I have zero balance and always pay on time, furthermore the person I spoke to on the second of the month NEVER said a word. On hte 6th my card was cancelled. I'm planning to go out of town and very welled planned to use this card and they tell me the account is closed as of the 5th after the call. HORRIBLE COMPANY they just $#*!ed up my credit score with no warning or regards to their customer. NO WARNING, NOTHING and they say there's nothing they can do. I'm trying to buy a house. I work very hard to keep my credit in order NOW THIS!

Don't shop here! It's a scam. Ordered 2 phone covers. They took my money but never shipped anything. Currently trying to get my money back but I'm sure it's gone.

Run a away! As far as possible! The most horrible financial service you could receive ever. Tons of advertisements booming your emails which made key information invisible. Always have technique difficulties to download your statement so you do not know what was going on.
Most importantly, they provide very confusing terms, tricky traps, and very unprofessional communication so it is so easy for you to violate something and get charged a huge amount of fees(I was charged about 2,000 for 4000 purchase!).
It all started with a visit in a Sears store where you were told you just need to register for an account, set an Autopay, and pay every month until the balance is cleaned. Then the nightmare began. You went to Sears again for something else and were told you could still have a 2-year payment without interests. You allowed them to set up everything for you. And then someday you noticed you got charged 2,000 interests! You called them and were told it is because the second purchase were not qualified for the no-interest service so anything you paid went to the interests first and thus the amount you paid could not cover the full amount. This was not consistent with what you were told in their store at all! You asked them to tell you what was the second purchase and why it was not qualified, and were told they could not give you anything unless your statements. They could not even email your statements but only mail to you that takes weeks. I closed my account immediate after this. If you still want to do business with them, good luck.

I sent my post office money order for $58.78 first class mail overnight delivery on march 11/2022to be delivered on march 12th at 6:00pm. I called the us postal service customer service yesterday. The recording said letter was picked up at a postal facility in Louisville ky ******* on march 14th at 1:39am and signed by A wilson. My card was blocke immediately and my csrd is delinquent while shop your way is still waiting for the US postal money order to clear for funds to be released. I never heard of such and have no clue why shop your way mastercard did this to me. When i told them last night that this was sent overnight delivery on march 11th, they tried to deny it. Are banks putting mastercard in delinquency just one day, two days late? And as they said even ONE HOUR LATE? I paid $26.95 overnight delivery that may had been delivered two days late? It was picked up on the 14th not the 12th.

My name is Tony Zaitona. I used shops your way sears credit card, & I like the rewards points from shopping, but when I tried to find out how much points I collect, I couldn't find it in my computer, then I called service department they transferred my call three times to give me the answer, then when I went to sears for purchase there told me that I should use my points before to be expired, & I get mad because all other credit card companies There points NEVER expired, this is bad deal, that is the reason I decide not to use sears credit card unless they fixing the problem.

This company is the biggest scam for dooping people out of their rewards. Customers need to be aware.

I bought an oven from a Sears store. The deal was that I could get $50.00 off of the purchase if I opened a Shop Your Way Account. So, I did. I payed the full amount of the oven less $50.00 within the first billing cycle. Now they are billing me $50.00 and adding late charges. I have called three times to explain that I was supposed to get the $50.00 deducted off of the sales price for opening the SYWA. I have paperwork to prove it.
I have been told it will be credited on the next billing cycle. Three billing cycles have passed and I still haven't been given the credit. I even called the salesman and he couldn't do anything about it and he gave me a number to customer relations. I have not called customer relations yet. Also, every time I called about my account balance I was put on hold and the representative never came back to me. I would be put back into a wait state waiting for another representative. I wish I would have never bought anything from Sears. They are not standing by their promise. Sears can not be trusted. Buyer beware!