Sears is an independent chain of retail stores, which allows you to shop for a multitude of items both online and offline. With a Sears prepaid card you can purchase a variety of items from a variety of brands, with a small monthly fee you can even get money back if you're not satisfied. If you have a Sears operated card, you have many options to get a Sears credit card.
Store Cards. If you use your card at a participating store then it will be registered to your account, which means you won't get charged interest. If however you use your card anywhere else then they'll charge interest on the amount you owe. Some stores will waive this fee for cardholders who shop at least a certain number of times each year.
Prepaid Debit Cards. These cards can be used at the cash register in order to buy items such as gasoline, snacks and groceries. You can also make use of them to pay bills.
Store Reward Programs. To earn a reward you must use your card in specific outlets or select stores each month. If you don't make any purchases you'll receive no reward but if you do make purchases you'll receive points for every dollar you spend.
Cash Back Rewards. You can earn points from stores where you spend the most. When you redeem your points for merchandise, you'll receive discounts on what you purchased from the store.
Cash Back Balance Transfer/Redeeming Rewards. If you transfer your balance from a bank card to a card with a credit limit, you may be able to earn rewards on your purchases in addition to having a higher credit limit. You may also qualify for rewards that allow you to transfer the balance to a new card.
Cash Advances. Most retail stores like Sears allow you to take out a secured credit line of credit. By taking advantage of this, you can use your credit card to pay for more items and receive a greater credit limit each month.
The key to qualifying for a Sears card online is shopping carefully researching the company and choosing a card that suits your needs. Be sure to read all terms and conditions carefully. If you need assistance to find a reputed company with a long established history and have an excellent customer service experience. Also be wary of low APR's since the higher the APR, the higher the interest rate you will pay when paying your bill off.
Qualifying for a Sears card online is fairly easy as long as you're prepared to provide information about your credit standing. The first step is to visit the company's website and fill out a card application. This is a simple process and you should be able to complete it within 30 minutes.
After you've received approval for your card online you will be given a PIN which you will use to make purchases using the card. Once you've finished your card purchase you will need to input the amount you are going to charge and the store name of the card number you used.
The next step is to enter the PIN into the payment box provided on the card online and follow the instructions provided to complete your transaction. Once you've completed this step all you need to do is wait a few minutes before you'll see the amount you were charged on the statement.
This is the point where you can either transfer the balance of your account from one card to another. Or, if you're a new card holder, you can immediately apply for a new card to start using it.
The last step is to activate your card and make your next purchase using your card by using the same method you used to make the previous one. Keep in mind that Sears charges its fee in full on your first purchase. In most cases you will be able to avoid this fee if you make purchases every time you activate your card.