Introduction to Sears Credit Card
The Sears Credit Card provided by the United Bank is a universally accepted credit card. The different types of Sears Credit Cards that are offered by the United Bank are Visa Card, Visa Gold and Gold MasterCard.
Various features of the different Sears Credit Cards can be discussed under the following heads:
Visa Classic Credit Card
1.The Annual Percentage Rate for this Sears Credit Card is fixed at 6.99% for the first six months. After this period the Annual Percentage Rate increases to 14.25%.
2.The card holder has to repay the total balance before 25 days otherwise finance charges are imposed on the future purchases.
3.An average daily balance is maintained.
4.There is no requirement of any annual fee, minimum finance charge or transaction fee.
5.If ten days are crossed from the due date, then late payment fee is required which is 5% of the Minimum Monthly Payment. This amount ranges from $1 to $15.
6.The over limit fee is 2% of the credit limit.
United Gold MasterCard and Visa Gold
1.This type of Sears Credit Card is basically the gateway to best shopping, high grade dining, exotic travel, lodging and different forms of entertainment.
2.The credit limit set by the United Gold MasterCard and Visa Gold is quite high. The credit limit can also be adjusted according to the needs of the card holder.
3.If the card holder uses the card for himself and his family then he is entitled to receive the Common Carrier Travel Accident free of cost.
4.Cash is available till the set limit from almost all the locations.
5.The payments that are made more than the minimum monthly payments reduces the minimum monthly payments.
6.The Gold Master Card gets automatically registered if it gets lost or stolen.
7.This type of Sears Credit Card also has the pay ahead feature.
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