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CREDIT CARDS

Consumer Businesses

In 2020, the Global Consumer Bank continued to execute a digital-first, client-led growth strategy while pivoting swiftly to provide value, service and support to clients and communities impacted by the COVID-19 pandemic. The GCB's model is distinct: digital-first capabilities complemented by a light physical footprint in leading urban markets. Our relationship banking model serves clients across the full spectrum of their needs as they borrow, pay, save, invest and protect and is supported by global assets and capabilities that are deployed locally. With a high-quality, highly digitally engaged customer base and one of the most dynamic partner ecosystems in the industry, the franchise is well positioned for where the world is headed.

In a rapidly changing landscape, the GCB intensified its focus on three strategic priorities to position the franchise for long-term growth: winning in wealth management; leading in consumer payments and lending; and driving scale through digitization and partnerships. With digital at the core of our strategy, GCB delivered double-digit growth in deposits, enhanced value propositions and provided an amazon work from home jobs raleigh nc of digital capabilities, garnering industry accolades for client experience. Citi was named Best Digital Bank in Asia (Euromoney), Best Digital Bank jose bautista instagram Mexico (Global Finance) and Bank with the Most Desirable Mobile Banking Digital Money Management Features in the U.S. (Insider Intelligence).

At the onset of the COVID-19 pandemic, Citi responded quickly, enabling thousands of colleagues to work from home in a matter of weeks, with requisite training, technology and onboarding, while retaining servicing for customers. northwest bank credit card login

We launched assistance programs in markets worldwide, the first large bank to do so in the U.S., while also facilitating free cashing of U.S. government stimulus checks for non-customers. We continued to serve clients safely in branches, introducing new safety measures and cleaning protocols, as well as innovative ways to serve clients remotely, such as video banking in Asia and the U.S. As COVID-19 made mobile capabilities, high-touch digital services and the human touch critical, Citi introduced new and enhanced digital and mobile capabilities and evolved product benefits across our credit card portfolios to ensure value, utility and relevance to customers.

As of December 31, 2020, Citi had assisted more than 5 million customers and small businesses worldwide with a range of assistance measures, including fee waivers and deferral of credit card minimum payments. In the U.S., as part of the Small Business Administration's Paycheck Protection Program (PPP), Citi funded more than $3 billion to U.S. small businesses, many in the areas hardest hit by COVID-19. Net profit earned through participation in the PPP was donated to the Citi Foundation to support community economic recovery efforts. The GCB operates approximately 2,300 branches and generated $1.1 billion in pretax earnings in 2020. At year end, the business had $345 billion in deposits, $282 billion in loans and $222 billion in assets under management.

Citi is a global leader in payments, with 132 million accounts and $505 billion in annual purchase sales, and has unrivaled partnerships with premier brands across Citi Branded Cards and Citi Retail Services. At year-end 2020, card receivables were $153 billion.

Branded Cards

Branded Cards
Citi Branded Cards provides payment, credit and lending solutions to consumers and small businesses, with 54 million accounts globally. In 2020, Citi Branded Cards generated annual purchase sales of $427 billion and ended the year with a loan portfolio of $107 billion.

In 2020, we continued to evolve our value propositions, expand co-brand partnerships and provide new digital capabilities to make purchases faster, convenient and more rewarding.

In the U.S., as part of a more integrated, multi-product relationship model, we expanded our lending partnership with American Airlines, our partner of more than three decades, to include the Citi Miles AheadTM Savings Account, a new deposit product exclusively for American Airlines co-brand cardholders who reside within the U.S. but outside locations where Citi has a retail branch presence. The account provides the ability to earn more miles on everyday purchases, as well as relationship-based offers.

During an unprecedented year marked by the pandemic, we actively engaged with cardholders to ensure we met their evolving needs. In the U.S., for example, we introduced relevant points offers on the Citi Prestige® Card and expanded the $250 travel credit to include supermarket and restaurant purchases through 2021. Similarly, we introduced relevant accelerators to the Citi Premier Card, including increased rewards for supermarket and restaurant purchases, including takeout and curbside pickup. In addition, we introduced a temporary point-redemption option for U.S. cardholders by providing them with the choice to redeem cash rewards and ThankYou Points to pay the minimum due on their credit card.

We teamed up with World Central Kitchen, a nonprofit organization that uses the power of food to heal communities and strengthen economies in times of crisis and beyond, on a program to support hunger relief efforts during COVID-19 while further encouraging digital banking adoption among clients. In addition, we joined with Mastercard and a nonprofit organization called Start Small Think Big to help small businesses. As a long-time partner of Global Citizen, we supported its global broadcast and digital special, One World: Together at Home, in support of the World Health Organization and regional charities working to meet immediate COVID-19 needs locally.

With physical cards rapidly digitizing, we continued to expand digital lending capabilities and point-of-sale solutions to give customers ease, convenience and choice in payments.

In the U.S., we introduced our proprietary Citi Flex Pay capabilities to American Airlines co-brand cardholders and on Amazon. Citi Flex Pay enables customers to finance purchases by converting eligible purchases into a fixed payment plan. Citi Flex Loan, a digital lending solution introduced in 2019 that enables customers to convert a portion of their credit line into a fixed rate personal loan, continued to perform well, with the average balance more than doubling.

In Asia, more than 60% of personal loans were made digitally through its Citi Quick Cash, Citi PayLite and Citi Flexibill solutions. A seamless, self-service mobile application journey, coupled with data-enabled real-time triggers, helped meet customers' borrowing needs, with lending volumes in the mobile app up 67% despite a challenging environment. Innovation remains at the forefront of our business, with the recent expansion of our Grab partnership that allows customers to obtain personal loans on the Grab app via application programming interfaces (API).
In Mexico, Citibanamex is a leader in credit cards, with strong market share, compelling value propositions, including our reward programs (ThankYou® Rewards and Premia), and market-leading promotions such as Buen Fin, which included more than 40,000 exclusive agreements with retailers and businesses.

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Retail Services
Citi Retail Services is one of North America's largest and most experienced retail credit solution providers of private label and co-brand credit cards for retailers. The business serves 78 million customer accounts for iconic brands, including Best Buy, Exxon, Mobil, L.L.Bean, Macy's, Sears, Shell, The Home Depot and Tractor Supply Company.

In 2020, Citi Retail Services announced private label and co-brand credit card agreements with two exciting new partners—Meijer and Wayfair. Meijer is a privately owned and family-operated Midwestern retailer with more than sears citi card customer service phone number supercenters and grocery stores throughout the Midwest. Wayfair is one of the world's largest online destinations for the home, offering millions of items across home furnishings, décor, home improvement, housewares and more. Today, Citi is the consumer credit card provider to half of the top 10 U.S. ecommerce companies.

In 2020, Citi Retail Services generated purchase sales of $78 billion and ended the year with a loan portfolio of $46 billion.

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Retail Banking

With our high-tech, high-touch relationship model, Citibank serves as a trusted advisor to our retail, wealth management and small business clients at every stage of their financial journey. Through Citi's Access Account, Basic Banking, Citi Priority, Citigold® and Citigold Private Client, we offer an array of products, services and digital capabilities to clients across the full spectrum of consumer banking needs worldwide.

In the U.S., Citi continued to digitize our retail bank model to drive national scale. Citi Accelerate Savings and Citi Elevate® Checking, digital high-yield savings and checking accounts for customers outside Citi's branch footprint, helped drive robust digital deposit sales, while Citi's Access Account, a checkless bank account with no or low monthly fees, no overdraft fees and access to Citi's digital, retail and ATM channels, continued to be one of our fastest-growing products.

In the U.S., small business lending again exceeded $10 billion in addition to more than $3 billion administered through the Small Business Administration's Paycheck Protection Program, while in Mortgage, the low rate environment drove strong origination and refinancing activity. In the U.S., Citibank, N.A. originated $24 billion in new loans in 2020.(see the Citi Supports U.S. Small Business section below for more information) Throughout the pandemic, Citi worked tirelessly to ensure that customers and small businesses felt confident that as an essential service, we were available to help them navigate this challenging time. To educate customers on the ease and convenience of digital banking, Citi introduced education campaigns, highlighting tools and capabilities available for customers to self-service as they complied with stay-at-home orders. By providing customers with quick links to set up online access, shortcuts to key digital tools and how-to videos on key features, we issued a steady stream of communications reinforcing the quick, easy nature of digital banking. These communications were incredibly well received by our customers, and we saw significant digital adoption and engagement among clients. Since the onset of COVID-19, the percentage of Retail Bank accounts opened sears citi card customer service phone number has risen to nearly 60% globally as has the use of mobile check deposits in the U.S. In Wealth Management, we continued to enhance our capabilities and invest in our offerings and digital tools to meet a wider spectrum of customer needs.

In the U.S., we launched Citi Wealth Builder, an easy-to-use, low-cost digital investment platform targeted to Citi Priority (emerging affluent) and Citigold® (affluent) clients, and introduced Citigold Private Client, a value proposition for clients with a minimum of $1 million in assets under management. Together, Citigold and Citigold Private Client clients enjoy personalized wealth management services, including dedicated wealth teams, digital planning tools, fund access, and a range of exclusive privileges, sears citi card customer service phone number pricing and benefits to affluent clients around the globe.

In Asia, investment revenues were the highest in a decade, with record net new money driven by steadfast client engagement, remote advisory services and accelerated client adoption of digital platforms throughout the pandemic. We continued to enhance the client experience, opening our largest wealth hub globally in Singapore dedicated to Citigold and Citigold Private Client clients. With more than 30,000 square feet across four floors, the Citi Wealth Hub has over 30 client advisory rooms for clients to engage with Relationship Managers, access a team of specialists, and enjoy facilities for customized lifestyle events and investment seminars.

In Mexico, Citibanamex is one of the leading and historically significant financial institutions in the country, with top brand recognition, leading market share and an extensive retail branch network complemented by rapid digital and mobile user growth.

In 2020, in a first-of-its-kind partnership, Citibanamex teamed with PepsiCo Alimentos Mexico and Amigo PAQ to advance financial inclusion by enabling access to digital financial tools and lines of credit for shopkeepers to use the CoDi® electronic payment platform, offered by Banco de México, in the Transfer Citibanamex app. The partnership is poised to redefine the way in which collections and payments are made in Mexico for small and medium-sized companies, which represent about 50% of Mexico's gross domestic product.

Learn More

Источник: https://www.citigroup.com/citi/about/consumer_businesses.html

This could finally be Sears' and Kmart's last holiday shopping season

The two chains are only a shell of what they were when the holding company that owns both emerged from bankruptcy less than three years ago.
At the time, the holding company — given the overly optimistic name Transformco — still had 223 Sears and 202 Kmart stores nationwide. That was already down 87% from the 3,500 stores between the two brands when they merged together in 2005 to form Sears Holdings. But the percentage drop in stores since the company emerged from bankruptcy in February of 2019 has been even steeper.
Today there are only 21 full-line Sears stores left in the mainland United States, and two more in Puerto Rico, according to the store locator on the Sears website, once recent closings are eliminated. Another seven stores listed on the site are limited to selling appliances, and in some cases, mattresses, rather than the full range of offerings that once was a hallmark of both chains.
And by the end of the year there will be only six Access arkansas online application left in the mainland United States, along with six more in Puerto Rico, Sears citi card customer service phone number and the Virgin Islands.
"To me it always felt like a liquidation. This has been going on for years," said Reshmi Basu, an expert in retail bankruptcies at Debtwire.
Many retail experts blame Eddie Lampert, the primary owner of Transformco and Sears Holdings, for the demise of two chains.
"He's letting leases expire, he's abandoning stores. He keeps them open if it's expedient to stay open," said Mark Cohen, the director of retail studies at Columbia University. "Obviously, they are all going to be gone shortly. You can count on that."
Sears and Kmart are not the only retailers to struggle with the shift of shopping habits to big box retailers such as Walmart(WMT) and Target(TGT), and to online retailers such as Amazon(AMZN). JCPenney and Neiman Marcus both filed for bankruptcy when the pandemic hit in 2020, and Lord & Taylor went out of business.
But critics of Lampert pueblo bank and trust app he's to blame for the steep decline at both companies, as he invested little in the stores themselves, and sold off much of the more attractive real estate and brands that Sears once had, such as Craftsman tools, Diehard auto parts and Lands End.
"It's been in terminal decline for quite sometime," said Neil Saunders, managing director and retail analyst at research firm GlobalData.
There's little chance of saving either chain in the current retail environment. Vendors are having problem supplying much stronger retailers with the inventory they need, given current supply chain problems. That makes it more difficult for Sears or Kmart to have the products that shoppers want.
"We know that suppliers are prioritizing their deliveries. They're delivering to outlets that add more value to brand," said Greg Portell, lead partner in the global consumer practice of consultant Kearney.
And the labor market sears citi card customer service phone number with near record numbers of job openings — only makes it tougher for the struggling chains to attract the workers they need.
"The war for talent in retail is very real right now. They're not only raising hourly wage, but look for other elements to attract workers, college tuitions, benefits, things that Sears and other troubled retailers will have difficulty matching," said Portell.
If this is indeed the end, it would be a sad demise for two chains that both go back to the late 19th century.
Kmart started in 1899 when founder Sebastian Spering Kresge opened a five-and-dime store in downtown Detroit bearing his name. The Kmart brand didn't come about until 1962. The chain grew rapidly for several decades, claiming the discount segment of the market that big box stores such as Walmart and Target now dominate.
Kmart became known for its 15-minute-long "blue light specials": a store would flash a blue light and announce "attention Kmart shoppers" over the public address system, and customers would rush to buy the discounted goods. The promotions started in 1965 but were discontinued in 1991, although Kmart has tried to bring them back several times.
Sears' history is even more storied. The company was once the largest retailer in the country -— both the Walmart and the Amazon during its heyday. At a time when the majority of Americans lived in rural areas, its catalog allowed many consumers to buy goods to which they would not have had access otherwise.
And Sears stores dominated the retail landscape, forcing many locally owned Main Street stores out of business the way that big box retailers would one day cause department stores to close. Many Sears were the anchor of malls that helped lead to the growth of US suburbs. It was literally a company that changed America.
Источник: https://www.cnn.com/2021/11/25/business/sears-kmart-last-holiday-shopping-season/index.html

Best winter coats,
from the inside out.

When It Starts to Get Cold, It’s Time to Get Comfy!

Whether you’re headed back to school, breaking out the fall decorations bars near tiaa bank field the workplace, or starting your Christmas shopping a couple of months early, you’re going to need clothes that can keep you warm and cozy all day long. Though tucking your favorite women’s swimsuits away until next summer can be a sad occasion, breaking out the fall wardrobe is an exciting time that comes once a year! With a few basic pieces, you’ll be ready for anything winter might bring your way. Lands’ End’s wide selection of warm clothes in all styles, colors, and sizes, everyone in the family is sure to find something that they’ll love.

Pile on the Layers

Bringing your favorite summer styles is easy if you know how to layer up against the cold. Wearing a flannel shirt unbuttoned over a graphic tee or tank top will give you a classic casual look that can be buttoned up for extra warmth if needed. You can also try adding some style to a comfy t-shirt by pairing it with a cardigan sweater or dressing to impress with a button-up shirt and sweater combo. The more layers you have, the more outfit combinations you can make, so don’t be afraid to throw some pieces together and see how it looks!

Stay Active No Matter the Weather

Feel free to layer up to your heart’s content with a wide variety of warm options that won’t weigh you down while you’re out and about. Mobility is key when it comes to outdoor activities, so make sure that your winter wardrobe is full of clothes that will work just as hard as you do without any restriction. With a variety of jackets and plus size winter coats to choose from, everyone in the family will stay warm throughout all your winter adventures. Fleece jackets are light enough to keep up with you as you stay active through all sorts of weather. You can pair these with a warm set of knit leggings that fit under your snow pants with ease. Once you come in from the cold, your stylish legging sweater combo will be perfect for lounging around the house, going out to eat, chasing the kids around the house, or whatever your busy life throws at you next.

Keep it Professional This Holiday Season

Comfy sweaters are perfect for both conquering the chilly commute to work and looking your best while there! Pair your favorite men’s sweaters with a sleek pair of men’s corduroy pants for a look that will keep you warm in the workplace while also looking as professional as ever. Cashmere sweaters are great items to layer over a regular work shirt for a little extra comfort as you rush through your busy day. Sweaters for women are also great for the workplace because they can be styled so many different ways! Not only do they look good and feel even better by themselves, they can turn a simple blouse or dress into an outfit you can wear with pride. Throw a women’s winter coat over top and you’ve completed your winter professional look.

Getting Ready for Christmas Couldn’t be Easier

The holiday season isn’t complete without snow, so make sure that all your loved ones are bundled up and comfy when it comes time to celebrate this year. Don’t let your favorite Christmas sweaters have all the fun; show your holiday spirit as a family with a matching set of family Christmas pajamas that the kids will love wearing. Not only that, but it’s a fun look for the Christmas card! Bring your holiday spirit into your home as well with unique needlepoint Christmas stockings and other festive touches like personalized ornaments. Adding some red and green throw pillows and warm monogrammed blankets will add to the room by giving the space a warm and comfy feel that your guests will appreciate after coming in from the cold.

When it comes to the company holiday party, Lands’ End has you covered. Choose from a wide variety of festive Christmas sweaters that you and your coworkers will love. Want to get a bit fancier for the corporate celebration? Strut a long sleeve dress that keeps you warm and makes you shine at the same time.

Источник: https://www.landsend.com/

How to Pay Your Discover Card Bill

Frequently Asked Questions

Discover makes it easy for you to make a credit card payment online or through these other convenient options:

Please see below for more information on payment posting:

For Non-Discover It® Card Members:

  • Payments submitted before 5:00 p.m. Eastern Time (ET) with a payment posting date of the same day will be credited to your account that day
  • Payments submitted after 5:00pm will not be posted same day, and will have a posting date of the next day.
  • Payments scheduled for a future date will be credited to your account on the date selected
  • Online and phone payments scheduled, but not yet posted, can be canceled online up until 5:00 p.m. ET on the payment posting date and will not post to your account

For Discover it® CardMembers:
  • Payments submitted before midnight Eastern Time (ET) will be credited to your account that day, except for payments made on the cycle date. Payments made on your cycle date submitted before 5:00 p.m. ET will be credited as of that same day
  • Same day payments submitted before 5:00 p.m. ET can be cancelled until 5:00 p.m. ET that same day. Same day payments submitted after 5:00 p.m. ET but sears citi card customer service phone number midnight ET can be canceled until midnight of that same day
  • Payments scheduled for a future date will be credited to your account on the date selected. Future scheduled payments can be cancelled until 5:00 ET of the scheduled date

You can mail your check to the address on the payment coupon at the bottom of your credit card statement. If you can't find this address, mail your check to:

Discover Financial Services
P.O. Box 6103
Carol Stream, Illinois 60197-6103


Note: Please remember to always pay with a personal check, cashier's check or money order, and never send cash. Please write your account number on the "memo" line, and to avoid late fees, always allow 7-10 days for your payment to reach us. Please include the payment coupon at the bottom of your credit card statement.

Yes, you can schedule automatic payments to help you pay on time. Set your auto-pay amount at your minimum payment, your statement balance or a custom amount, and we'll automatically deduct your credit card payment each month. You'll get an email reminder a few days in advance of the payment. Learn more about automatic payments, or log in and switch to automatic payments now.

No. There's no convenience fee for any of our payment methods. Plus, Discover is the only credit card company with no annual fee on every single card.

The time it takes a payment to reach us depends on how it is handled by the bill payment service or bank. Some services, for example, process payment requests only once a day or once a week, while others process the requests electronically, but then send paper checks. Processing time may also be affected by weekends and bank holidays. To learn how your bill payment service or bank processes your payment requests, please contact them directly.


A sears citi card customer service phone number to make sure your payment is credited to your account is to pay online in the Account Center by clicking on the "Payments" tab and selecting "Make a Payment".


Not registered for the Account Center? Register Now.

You can pay your Discover bill any time by calling 1-800-DISCOVER (1-800-347-2683). Discover has no pay-by-phone convenience fee.

To avoid late payments and late fees, you'll want to be sure your Discover Card payment arrives on time. If you're using an e-bill or a bill payment service, you'll need to allow enough time for that checking account, debit card account or other bank account to deliver your payment. You may have a bank account that only processes payment requests once a day or once a week. Or it may process the requests electronically, but then send paper checks. Weekends and bank holidays can also cause delays. To learn how your bill payment service or bank processes payment requests, please contact them directly.

 

It may be faster to make your credit card payment with your Discover.com account. If you're not registered online at Discover.com, you can register now.

For Non-Discover It Cardmembers:

  • Payments post on the same day when you make them before 5:00 p.m. Eastern Time (ET).
  • Payments submitted after 5:00pm will not be posted same day, and will have a posting natural home remedies for cough of the next day.
  • A scheduled payment for a future date will post to your account on the date you select.
  • You can cancel a scheduled payment online or by phone until 5:00 p.m. ET on the payment posting date.

For Discover it® Cardmembers:

  • Payments post on the same day when you make them before midnight Eastern Time (ET), except for payments you make on your cycle date. Cycle date payments post the same day when you make them before 5:00 p.m. ET.
  • If you make a payment before 5:00 p.m., you can cancel it the same day up until 5:00 p.m. If you make a payment after 5:00 p.m., you can cancel it the same day up until midnight ET.
  • A scheduled payment for a future date will post to your account on the date you select.
  • You can cancel a scheduled payment online or by phone until 5:00 p.m. ET on the payment posting date.

No. There are several ways to pay your Discover Card, including online at Discover.com or with our mobile app using your bank account information. Other options include sending a check by mail using the return envelope in your statement or paying by phone at the number on the back of your card.

Cash Back Credit Cards: Discover it® Cash Back, Gas & Restaurant Card, NHL® Discover it®

Travel Credit Card: Discover it® Miles

Student Credit Cards: Discover it Student® Cash Back, Student Chrome Card

Secured Credit Card: Discover it® Secured

Business Credit Card: Discover it® Business Card

Cash Back Credit Cards
Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will sears citi card customer service phone number with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Travel Credit Card
Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Student Credit Cards
Intro purchase APR is 0% for 6 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 12.99% - 21.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Secured Credit Card
22.99% standard variable purchase APR. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is welcome home real estate. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Business Credit Card
Intro purchase APR is 0% for 12 months from date of account opening then the standard purchase APR applies. Standard purchase APR: 12.99% variable to 20.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 5% of the amount of each transfer. Annual Fee: None. Rates as of sears citi card customer service phone number. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

NHL and the NHL Shield are registered trademarks and NHL.TV is a trademark of the National Hockey League. NHL and NHL team marks are the property of the NHL and its teams. © NHL 2021. All Rights Reserved.

Источник: https://www.discover.com/credit-cards/help-center/faqs/payment-help.html

Sears

Department store chain in the United States

This article is about the American chain of department stores. For other uses, see Sears (disambiguation).

Sears, Roebuck and Co.,[3] commonly known as Sears, is an American chain of department stores founded by Richard Warren Sears and Alvah Curtis Roebuck in 1892, and reincorporated by Richard Sears sears citi card customer service phone number Julius Rosenwald in 1906. Formerly based at the Sears Tower in Chicago and currently headquartered in Hoffman Estates, Illinois, it began as a mail ordering catalog company, then began opening retail locations in 1925, the first in Chicago, Illinois.[4] In 2005, the company was bought by the management of the American big box discount chain Kmart, which formed Sears Holdings on completion of the merger.

Through the 1980s, Sears was the largest retailer in the United States.[5] In 2018, it was the 31st-largest.[6] After several years of declining sales, Sears's parent company filed for Chapter 11 bankruptcy on October 15, 2018.[7] It announced on January 16, 2019, that it had won its bankruptcy auction, and that a reduced number of 425 stores would remain open, including 223 Sears stores.[8]

History[edit]

Beginnings[edit]

In 1863, Richard Warren Sears was born in Stewartville, Minnesota, to a wealthy family, which moved to nearby Spring Valley.[9] In 1879, his father died shortly after losing the family fortune in a speculative stock deal.[9] Sears moved across the state to work as a railroad station agent in North Redwood, then Minneapolis.

While he was in North Redwood, a jeweler refused delivery on a shipment of watches. Sears purchased them and sold them at a low price to the station agents, making a profit. He started a mail-order watch business in Minneapolis in 1886, calling it the R.W. Sears Watch Company. Within the first year, he met Alvah Curtis Roebuck, a watch repairman. In 1887, Sears and Roebuck relocated the business to Chicago; later that year, the R.W. Sears Watch Company published Richard Sears's first mail-order catalog, offering watches, diamonds, and jewelry.

In 1889, Sears sold his business for US$100,000 ($2.9 million today) and relocated to Iowa, planning to be a rural banker.[10] He returned to Chicago in 1892 and established a new mail-order firm, again selling watches and jewelry, with Roebuck as his partner, operating as the A. C. Roebuck watch company. In 1893, they renamed the company Sears, Roebuck, and Co. and began to diversify the product lines offered in their catalogs.

Before the Sears catalog, farmers near small rural towns usually purchased supplies, often at high prices and on credit, from local general stores with narrow selections of goods. Prices were negotiated and relied on the storekeeper's estimate of a customer's creditworthiness. Sears took advantage of this by publishing catalogs offering customers a wider selection of products at clearly stated prices.

By 1894, the Sears catalog had grown to 322 pages, including many new items, such as sewing machines, bicycles, sporting goods and automobiles (later produced, from 1905 to 1915, by Lincoln Motor Car Works of Chicago [no relation to the current Ford line]).[11] By 1895, the company was producing a 532-page catalog. Sales were over $400,000 ($11.5 million today) in 1893 and over $750,000 ($23.3 million today) two years later.[12] By 1896, dolls, stoves, and groceries were added to the catalog.

Despite the strong and growing sales, the national Panic of 1893 led to a full-scale recession, causing a cash squeeze and large quantities of unsold merchandise by 1895. Roebuck decided to quit, returning later in a publicity role. Sears offered Roebuck's half of the company to Chicago businessman Aaron Nusbaum, who in turn brought in his brother-in-law Julius Rosenwald, whom Sears owed money. In August 1895, they bought Roebuck's half of the company for $75,000 ($2.3 million today), and that month the company was reincorporated in Illinois with a capital stock of $150,000 ($4.7 million today). The transaction was handled by Albert Henry Loeb of Chicago law firm Loeb & Adler (now Arnstein & Lehr); copies of the transaction are still displayed on the firm's walls.[13]

Early 20th century[edit]

Sears and Rosenwald got along well with each other, but not with Nusbaum; they bought him out for $1.3 million in 1903 ($37.4 million today).[14] Rosenwald brought to the mail-order firm a rational management philosophy and diversified product lines: dry goods, consumer durables, drugs, hardware, furniture, and nearly anything else a farm household could desire.

Sales continued to grow rapidly, and the prosperity of the company and their vision for more significant expansion led Sears and Rosenwald to take the company public in 1906, with a stock placement of $40 million ($1.2 billion today). They had to incorporate a new company to bring the operation public; Sears and Rosenwald established Sears, Roebuck and Company with the legal name Sears, Roebuck and Co., in the state of New York, which effectively replaced the original company.[15] The current company inherits the history of the old company, celebrating the original 1892 incorporation, rather than the 1906 revision, as the start of the company.

Sears's successful 1906 initial public offering (IPO) marks the first major retail IPO in American financial history and represented a coming of age, financially, of the consumer sector.[16] The company traded under the ticker symbol S and was a component of the Dow Jones Industrial Average from 1924 to 1999.

In 1906, Sears opened its catalog plant and the Sears Merchandise Building Tower in Chicago's West Side.[17] The building was the anchor of what would become the massive 40-acre (16 ha) Sears, Roebuck and Company Complex of offices, laboratories, and mail-order operations at Homan Avenue and Arthington Street. The complex served as corporate headquarters until 1973, when the Sears Tower was completed and served as the base of the mail-order catalog business until 1993.

By 1907, under Rosenwald's leadership as vice president and treasurer, annual sales of the company climbed to roughly $50 million ($1.4 billion today). Sears resigned from the presidency in 1908 due to declining health, with Rosenwald named president and chairman of the board and taking on full control.[18]

In 1910, Sears acquired the David Bradley Plow company. This acquisition would lead to the manufacturing of riding mowers, chainsaws, tillers, etc., in the Bradley Illinois factory.[19]

The company was badly hurt during 1919–21 as a severe depression hit the nation's farms after farmers had over-expanded their holdings. To bail out the company, Rosenwald pledged $21 million ($0.3 billion today) of his personal wealth in 1921.[20] By 1922, Sears had regained financial stability.

Boom years[edit]

As the nation urbanized, Sears's business model faced competition from city department stores. The mail-order market was focused on rural America, with a slow-growing population and far less spending power than urban America. Rosenwald decided to shift emphasis to urban America and brought in Robert E. Wood to take charge. Rosenwald oversaw the design and construction of the firm's first department store, built on land within the Sears, Roebuck, and Company Complex. The store opened in 1925. In 1924, Rosenwald resigned the presidency but remained as chair until he died in 1932; his goal was to devote more time to philanthropy.[21]

The first Sears retail stores were pioneering and broke the conventions of the time in three ways: their location away from central shopping districts, innovative store design, and unconventional product mix and retailing practices.

The first store opened on February 2, 1925,[22] as an experiment in the North LawndaleSears, Roebuck and Company Complex. Despite its remote location on the outskirts of Chicago, its success led to dozens of further openings across the country, many in conjunction with the company's mail-order offices,[23] typically in lower-middle-class and working-class neighborhoods far from the main downtown shopping district. This was considered highly unconventional at a time when shopping was concentrated in downtowns, but through World War II, there was an extensive streetcar network in Chicago and other US cities. However, rapidly increasing car ownership and the brand's huge popularity helped attract customers.[24]

Many stores at this time were designed by architect George C. Nimmons and his firms. The three-dimensional modeling of form, in other words, an architecture driven by merchandising needs, rather than the desired outer appearance determining the building's form, made the stores excellent examples of the modern architecture of the time – styles made famous by Bertram Goodhue and Eliel Saarinen.[23][24]

Its stores were oriented to motorists. Set apart from existing business districts amid residential areas occupied by their target audience, they had ample, free, off-street parking and communicated a clear corporate identity. In the 1930s, the company designed fully air-conditioned, "windowless" stores, such as Sears-Pico in Los Angeles, which was the first to have an open plan selling floor (instead of breaking up the floor into discrete sections).[23]

Sears was also a pioneer in creating department stores that catered to men and women, especially with lines of hardware and building materials. It deemphasized the latest fashions in favor of practicality and durability and allowed customers to select goods without the aid of a clerk. In 1933, Sears issued the first of its Christmas catalogs known as the "Sears Wishbook", a catalog featuring toys and gifts, separate from the annual Christmas Catalog. From 1908 to 1940, it included ready-to-assemble Sears Catalog Home kit houses.[25]

The Sears catalog became known in the industry as "the Consumers' Bible".[26] The company sold to foreign customers, such as after the American occupation of Greenland in World War II, when locals ordered from catalogs left by soldiers.[27] Novelists and story writers often portrayed the importance of the catalog in the emotional lives of rural folk. The catalog also entered the language, particularly of rural dwellers, as a euphemism for toilet paper, as its pages could be torn out and used as such.[28] In addition, for many rural African-Americans, especially in areas dominated by Jim Crowracial segregation, the Sears Catalogue was a vital retail alternative to local white-population-dominated stores, bypassing the stores' frequent intention to deny them fair access to their merchandise.[29]

Sears opened its first store in Mexico City in 1947; the Mexican stores would later spin off into Sears Mexico, which in 2020 operated more than 90 stores across Mexico.[30] In July 2021, it was announced that Sears Mexico is considering renaming their stores to distance itself from its failing former parent in the United States.[31]

From the 1920s to the 1950s, Sears built many urban book about trump and deutsche bank stores in the U.S., Canada, and Mexico (apart from, but not far from, existing central business districts), and they overshadowed the mail-order business. Following World War II, the company expanded into suburban markets and malls. In 1959, it had formed the Homart Development Company for developing malls. Many of the company's stores have undergone major renovations or replacements since the 1980s. Sears began to diversify in the 1930s, creating Allstate Insurance Company in 1931 and placing Allstate representatives in its stores in 1934 (Allstate was also used as a house brand on a range of motorized vehicles sold by Sears). Over the decades, it established major national brands, such as Kenmore, Craftsman, DieHard, Silvertone, Supertone, and Toughskins.

Sears reached its pinnacle in the 1970s.[32] In 1974, Sears completed the 110-story Sears Tower in Chicago, which became the world's tallest building, a title it took from the former World Trade Center towers in New York. Sears moved to the new Prairie Stone Business Park in Hoffman Estates, Illinois, between 1993 and 1995.[33] The Sears Centre is a 10,001-seat multi-purpose arena located in Hoffman Estates adjacent to the Prairie Stone campus.[34] Even though its naming rights to the building expired in 2003, the Sears Tower remained named as such until early 2009, when London-based insurer Willis Group Holdings, Ltd. was given the building's naming rights to encourage them to occupy the building.[35]

Decline[edit]

In the 1980s, the company began to diversify into non-retail entities such as buying Dean Witter and Coldwell Banker in 1981. In 1984, Prodigy was launched as a joint venture with IBM, and the Discover credit card was introduced in 1985. All of this distracted management's attention from the core retail business and allowed the competition to gain significant ground, culminating with Walmart surpassing Sears as the largest retailer in America in 1990.[32]

In the 1990s, the company began divesting www simmons first national bank com of many non-retail entities, which were detrimental to its bottom line. Sears spun off its financial services arm, which included brokerage business Dean Witter Whalehead beach corolla nc and Discover Card. It sold its mall building subsidiary Homart to General Growth Properties in 1995.[36] Sears later acquired hardware chain Orchard Supply Hardware in 1996 and started home improvement store The Great Indoors in 1997.[37]

The cost of distributing the once highly influential general merchandise catalog became prohibitive; sales and profits had declined. The company discontinued the catalog in 1993. It dismissed 50,000 workers who had filled the orders. This was before the internet became an effective tool. With the advantage of hindsight, we can see that the timing was poor; Sears already had in place what it took Amazon years to achieve.[32]

In 1992, California successfully sued the company for falsely finding things wrong with automobiles in for repair for other reasons.[38] In 1997, criminal charges were made.[39][40] In 1998, Sears announced it had sold the remnants of Western Auto (which it had acquired in 1988) to Roanoke-based Advance Auto Parts. The business deal was not quite what experts in the after-market automotive industry expected. Specifically, in return, Sears, Roebuck became "one of the largest shareholders" after obtaining a 40% stake in Advance Auto Parts and merging their two store networks, which included Western Auto's wholesale and retail operations. More precisely, the existing store network of Advance Auto Parts, comprising 915 stores in 17 U.S. states, merged with 590 U.S.-based Parts America Stores in addition to 40 Western Auto stores in the Commonwealth of Puerto Rico. In 1997, Sears sold 85% of its Mexico affiliate to Grupo Carso. Sears Holdings continued to produce specialty catalogs and reintroduced a smaller version of the Holiday Wish Book in 2007.

In 2003, Sears sold its U.S. retail credit card operation to Citibank.[41] The remaining card operations for Sears Canada were sold to JPMorgan Chase in August 2005.[42] In 2003, Sears opened a new best mortgage refinance rates in texas store called Sears Grand. Sears Grand stores carry everything that a regular Sears carries, and more. Sears Grand stores are about 175,000 to 225,000 square feet (16,300 to 20,900 m2).

On November 17, 2004, Kmart Holdings Corporation announced it would acquire Sears, Roebuck, and Co. for $11 billion after Kmart completed its bankruptcy.[43] As a part of the acquisition, Kmart Holding Corporation, along with Sears, Roebuck, and Co., was transformed into the new Sears Holdings Corporation. The new company started trading on the NASDAQ stock exchange as SHLD; Sears sold its single-letter ticker symbol 'S' in the New York Stock Exchange that it had held since 1910 to Sprint Corporation.[44] The new corporation announced that it would continue to operate stores under both the Sears and Kmart brands. In 2005, the company began renovating some Kmart stores and converting them to the Sears Essentials format, only to change them later to Sears Grands.[45] The combined company's profits peaked at $1.5 billion in 2006.

By 2010, the company was no longer profitable; from 2011 to 2016, the company lost $10.4 billion. In 2014, its total debt ($4.2 billion at the end of January 2017) exceeded its market capitalization ($974.1 million as of March 21, 2017).[46] Sears declined from more than 3,500 physical stores to 695 US stores from 2010 to 2017.[47] Sales at Sears stores dropped 10.3 percent in the final quarter of 2016 when compared to the same period in 2015.[48]

Sears spent much of 2014 and 2015 selling off portions of its balance sheet; namely, Lands' End and its stake in Sears Canada, one of the biggest e-commerce players in Canada, with C$505 million in sales in 2015—more than Walmart and others who had begun pushing aggressively into online sales, such as Canadian Tire.[49] Sears stated that the company was looking to focus on becoming a more tech-driven retailer. Sears's CEO and top shareholder said the sell-off of key assets in the last year had given the retailer the money it needs to speed up its transformation.[49] Sears Holdings had sears citi card customer service phone number a total of US$7 billion in the four years to 2015. In part, the retailer was trying to curb losses by using a loyalty program called Shop Your Way.[49] Sears believed the membership scheme would enhance repeat business and customer loyalty in the long term.[49]

Lampert also concluded an arrangement that sold the Craftsman brand to Stanley Black & Decker Inc. for approximately US$900 million.[50] In October 2017, Sears and appliance manufacturer Whirlpool Corporation ended their 101-year-old association, reportedly due to pricing issues, although Whirlpool continued supplying Sears with Kenmore-branded appliances.[51] In May 2018, Sears announced it had formed a "special committee" to explore the sale of Kenmore.[52]

Bankruptcy and current operations[edit]

On September 24, 2018, the retailer's CEO warned that the company was "running out of time" to salvage its business.[53] Sears Holdings filed for Chapter 11 bankruptcy on October 15, 2018, ahead of a $134 million debt payment due that day.[54] On November 23, 2018, Sears Holdings released a list of 505 stores, including 266 Sears stores, that were for sale in the bankruptcy process, while all others would hold liquidation sales.[55]

On January 16, 2019, Sears Holdings announced it would remain open after Lampert won a bankruptcy auction for the company with an offer to keep about 400 stores open.[8] On February 7, 2019, a bankruptcy judge approved a $5.2 billion plan by Sears's chairman and biggest shareholder to keep the business going. The approval meant roughly 425 stores, including 223 Sears stores, and 45,000 jobs would be preserved.[56]

In April 2019, Sears announced the opening of three new stores with a limited set of merchandise under the name Sears Home & Life.[57] Also that month, Sears closed its store at Windward Mall in Kaneohe, Hawaii, and its store at Oakbrook Center in Oak Brook, Illinois, making it the first post-bankruptcy closure for the brand since being bought by ESL.[58][59]

On June 3, 2019, the company announced that Transform Holdco would acquire Sears Hometown & Outlet Stores. As per deal, it might need to divest its Sears Outlet division to gain approval.[60] On August 6, 2019, it was announced that 26 stores, including 21 Sears stores, including the last Sears store in Alabama, at Riverchase Galleria in Hoover, and the last Sears store in West Virginia, at Huntington Mall in Barboursville, would be closing in October, with plans to "accelerate the expansion of our smaller store formats which includes opening additional Home & Life stores and adding several hundred Sears Hometown stores after the Sears Hometown and Outlet transaction closes."[61] On August 31, 2019, it was announced that Transform would close an additional 92 stores, including 15 Sears stores, by the end of 2019. 100 more stores closed by January 2020.[62] 51 Sears stores were closed in February 2020.[63] More stores continued to close throughout 2020 and 2021. As of September 16, 2021 the company's website listed 35 Sears stores.[64]

Near the end of 2019, Sears sold the brand name DieHard to Advance Auto Parts for $200 million.[65]

In September 2021, Sears announced that they will close more stores, including the last Sears store in New York City. The New York City Sears store is set to close by November 24, 2021, and will potentially be demolished for redevelopment.[66][67]

The last remaining Sears store on Long Island at Sunrise Mall was closed by October 3, 2021. [68]

The last remaining Sears store in Illinois at Woodfield Mall was closed on November 14, 2021. [69]

Corporate affairs[edit]

Logo[edit]

  • Logo used from 1966 to 1984

  • Logo used from 1984 to 1994

  • Logo used from 1994 to 2004; this logo is still used by Sears in Mexico

  • Logo used from 2004 to 2010 in the United States

  • Logo used from 2010 to 2019

[edit]

Before the company filed for bankruptcy, Sears had sponsored many entertainment and sporting events.

From 2006 until 2020, the company had the naming rights to an 11,000-seat multi-purpose family entertainment, cultural and sports center in Hoffman Estates that was previously known then as the Sears Centre but has since been renamed the Now Arena.[70]

The company sponsored the television series Extreme Makeover: Home Edition.[citation needed] The company also underwrote the PBS television series Mister Rogers' Neighborhood, under the name The Sears-Roebuck Foundation, from the show's premiere in 1968 until 1992.[citation needed]

Through the Sears Auto Centers, the company sponsored the Formula Drift Darren McNamara Sears/Falken Saturn Sky drift car.[citation needed] It sponsored the NASCARTruck Series, using the Craftsman brand as the title sponsor, from the series' inception in the 1995 NASCAR SuperTruck Series presented by Craftsman to the 2008 season, when the agreement ended.[71][dead link] It sponsored the #10 Gillett Evernham Motorsports car of Scott Riggs for the September 2, 2007, running of the Sharp AQUOS 500 at California Speedway through its Sears Auto Center branch.[citation needed] However, Riggs failed to qualify for the event. In 2016, Craftsman became the title sponsor of the World Racing Group, World of Outlaws Sprint car racing series.[72][failed verification]

Employee relations[edit]

Sears has struggled with employee relations. One notable example was the shift in 1992 from an hourly wage based on longevity to a base wage (usually between US$3.50 and US$6 per hour) and commissions ranging from 0.5% to 11%. Sears claimed the new base wage, often constituting a substantial (up to 40%) cut in pay, was done "to be successful in this highly competitive environment".[73]

In early October 2007, Sears cut commission rates for employees in some departments to between 0.5% and 4% but equalized the base wage across all Home Improvement and Electronics departments. In 2011, commission rates on non-base items were cut by 2% in the electronics department. In late 2009, the commission on "base items" from the electronic department was cut to 1%. As of 2017, appliances is the only remaining department where compensation is based entirely on commission. Other departments give a base pay plus commission. In many stores, jewelry department associates receive a low base salary with a 1% commission on their sales.

In March 2019, Sears claimed that it was ending life insurance benefits for an undisclosed number of its 90,000 retirees. A few months earlier, the company handed out over $25 million in bonuses to executives.[74] This key Sears Retiree Benefit was worth between $5,000 and $15,000 for most of the pool (29,000) of eligible retired employees.[75]

In May 2019, former Sears Holdings chairman and CEO Eddie Lampert, months after purchasing the remains of Sears from the holding company, threatened not to pay out the $43 million in pension payments[76] owed to 90,000 former Sears and Kmart employees and retirees.[77] A Forbes editorial pointed out that Steven Mnuchin, Secretary of the Treasury, was a board member of Sears Holding until 2016, and was, at the time, one of three directors of the Pension Benefit Guaranty Corporation, which manages administration of pensions for defunct or bankrupt businesses.[78]

Gallery[edit]

  • Sears, Roebuck and Company Warehouse and Service Center in Houston, Texas, as shown in August 2020. On the National Register of Historic Places

  • Exterior of the Sears Essentials in Palm Springs, Florida, as shown in 2010. (reopened as Sears Outlet and closed)

  • Exterior of the Sears Parts & Repair Store in Brooklyn, Ohio, as shown in 2012.

See also[edit]

References[edit]

  1. ^ abSears Holdings Corporation (2016). 2016 Form 10-K, Sears Holding Corporation(PDF) (Report). United States Securities and Exchange Commission. p. 41. Retrieved November 4, 2017.
  2. ^"ESL Investments Completes Acquisition of Sears Holdings' Assets". Business Wire (Press release). February 11, 2019.
  3. ^"What is the official name of Sears?". December 9, 2020. Archived from the original on December 9, 2020. Retrieved December 9, 2020.
  4. ^Emmet, Boris; Jeuck, John (1950). Catalogues and Counters: A History of Sears, Roebuck and Company. Chicago & London: The University of Chicago Press. p. 341. ISBN .
  5. ^"1990 Sales Lift Wal-mart Into Top Spot". Sun Sentinel. February 15, 1991. Retrieved January 15, 2014.
  6. ^"2017 Top 100 Retailers". STORES.org. Retrieved November 4, 2017.
  7. ^Corkery, Michael (October 14, 2018). "Sears, the Original Everything Store, Files for Bankruptcy". The New York Times.
  8. ^ abKapner, Suzanne; Rizzo, Lillian (January 16, 2019). "Sears to Stay Open, After Edward Lampert Prevails in Bankruptcy Auction". The Wall Street Journal. ISSN 0099-9660. Retrieved January 16, 2019.
  9. ^ abRichard Sears, Spring Valley Methodist Church Museum, Accessed January 17, 2011.
  10. ^"Richard W. Sears – American merchant". britannica.com.
  11. ^Clymer, Floyd. Treasury of Early American Automobiles, 1877–1925. (New York: Bonanza, 1950), p.90.
  12. ^"Sears History – 1890s."Sears. Last updated September 27, 2004.
  13. ^Arnstein & Lehr, The First 120 Years (2013).
  14. ^Emmet and Jack, Catalogues and Counters (1950) pp 47–53
  15. ^SEARS, ROEBUCK AND CO.Archived December 1, 2017, at the Wayback Machine Sears, Roebuck and Company (Co.) 1906 New York incorporation
  16. ^Gregory D. L. Morris, "Attention Shoppers: 1906 Sears IPO Heralds the Triumph of the Consumer Economy," Financial History (2007), Issue 88, pp 20–36
  17. ^Book: Historic Sears, Roebuck and Co. Catalog Plant ISBN 0-7385-3977-5, opening date.
  18. ^Emmet and Jack, Catalogues and Counters (1950) pp 53–57
  19. ^"David Bradley: 1910-1966". www.searsarchives.com.
  20. ^"Julius Rosenwald Pledges $20,000,000 For Sears-Roebuck". New York Times. December 30, 1921. ProQuest 98483996.
  21. ^Peter M. Ascoli, Julius Rosenwald: The Man Who Built Sears, Roebuck And Advanced the Cause of Black Education in the American South, (2006).
  22. ^"Store History - Chicago, Illinois". Sears Archives. Sears.
  23. ^ abcLongstreth, Richard (June 2006). "Sears, Roebuck and the Remaking of the American Department Store"(PDF). Journal of the Society of Architectural Historians. George Washington University. 65 (2): 238–279. doi:10.2307/25068266. JSTOR 25068266 – via Sears, Roebuck and the Remaking of the Department Store, 1924-42.
  24. ^ abHoward, Vicki (July 25, 2017). "The Rise and Fall of Sears: How the retail store that taught America how to shop navigated more than a century of economic and cultural change". Smithsonian.
  25. ^"Sears mail-order homes". Retrieved November 30, 2011.
  26. ^Passikoff, Robert. "A Love Song To Mr. Sears & Mr. Roebuck, Who Could Use One About Now". Forbes. Coldwell banker upchurch realty athens ga November 28, 2018.
  27. ^Lockhart, Katie (December 27, 2019). "How This Abandoned Mining Town in Greenland Helped Win World War II". Smithsonian. Retrieved December 28, 2019.
  28. ^Rodriguez, Linda (July 8, 2009). "Why toilet paper belongs to America". CNN.com. Retrieved August 29, 2010.
  29. ^Farzan, Antonia Noori. "How Sears mail-order catalogs undermined Jim Crow racism". Chicago Tribune. Washington Post. Retrieved October 19, 2018.
  30. ^"SEARS.COM.MX | Envíos a todo México · Más de 500 mil productos con todas las Formas de Pago Compras 100% Seguras · Lo mejor en Moda, Línea blanca, Pantallas, Computo, Celulares, Juguetes, Muebles, Ferretería y más · Click & Recoge en Tienda". Sears.
  31. ^González, Dagnia (July 28, 2021). "Sanborns analiza cambiar nombre a sus tiendas Sears" [Sanborns discusses renaming its Sears stores] (in Spanish).
  32. ^ abcKapner, Suzanne (March 15, 2019). "How Sears lost the American shopper". Wall Street Journal. Retrieved March 24, 2019.
  33. ^"PrairieStone.com". www.prairiestone.com.
  34. ^"Sears Centre Arena". The Village of Hoffman Estates. Archived from the original on February 12, 2007. Retrieved February 7, 2007. Prairie Stone Business Park, Current Sears headquarters location and Sears Centre.
  35. ^Conlon, Michael (March 12, 2009). "Tallest U.S. building to get new name". Reuters. Retrieved July 17, 2009.
  36. ^Zarroli, Jim (April 19, 2009). "Retail Real Estate Braces For Sell-Off". National Public Radio.
  37. ^Donald R. Katz, The Big Store (1987)
  38. ^Gellene, Denise (September 3, 1992). "Sears to Repair Image With $46 Million in Coupons : Retailing: It may be the largest such consumer fraud settlement ever. California auto centers will be sears citi card customer service phone number probation for 3 years". Los Angeles Times. Retrieved January 16, 2019.
  39. ^McCormick, John (February 2, 1999). "The Sorry Side Of Sears". Newsweek. Retrieved January 16, 2019.
  40. ^Mikolajczyk, Sigmund J. (August 21, 1995). "Sears Slapped With Tire Service Fraud Suit". Tire Business. Retrieved January 16, 2019.
  41. ^Sorkin, Andrew Ross (July 16, 2003). "Sears to Sell Card Portfolio To Citigroup For $3 Billion". The New York Times. Retrieved January 22, 2017.
  42. ^"JPMorgan to buy credit card unit of Sears Canada". Chicago Tribune. September 1, 2005.
  43. ^"Kmart, Sears to merge in $11B deal". CNN. November 17, 2004.
  44. ^"S stands for Sears, but not much longer". Chicago Tribune. February 2, 2005. Retrieved November 9, 2017.
  45. ^"Sears ditches Sears Essentials name". Chicagobusiness.com. February 22, 2006. Retrieved July 17, 2009.
  46. ^"Who Killed Sears? 50 Years on the Road to Ruin". Investopedia. November 3, 2017. Retrieved November 4, 2017.
  47. ^"Sears Holdings Fourth Quarter 2016 Earnings Release"(PDF). Sears Holdings. Retrieved March 9, 2017.
  48. ^Zumbach, Lauren (March 27, 2017). "Sears CEO Lampert takes bigger stake in ailing chain, shares jump". Chicago Tribune. Retrieved March 28, 2017.
  49. ^ abcd"Sears Holdings". Retrieved June 4, 2015.
  50. ^Coleman-Lochner, Lauren; Coffey, Brendan (January 9, 2016). "Lampert's rescue of Sears puts him on the hook for $1.2 billion". Toronto Star. Toronto, Canada. Retrieved January 9, 2016.
  51. ^Stych, Ed (October 25, 2017). "Sears splits married at first sight season 10 episode 1 dailymotion Whirlpool appliances, splintering 101-year relationship". Dayton Business Journal. Retrieved January 5, 2018.
  52. ^Isidore, Chris. "Sears moves to sell Kenmore". CNNMoney. Retrieved August 22, 2018.
  53. ^Time is running out for Sears, CEO warns CNN Money, September 24, 2018
  54. ^Sears files for bankruptcy after years of turmoilThe Washington Post, October 15, 2018
  55. ^Researcher, WYCO (November 23, 2018). "List Of Sears Stores To Be Sold And Other Bankruptcy Developments". Seeking Alpha. Retrieved November 24, 2018.
  56. ^"Sears gets to stay in business: Bankruptcy judge OKs Eddie Lampert's plan". Los Angeles Times. February 2018. Retrieved February 7, 2018.
  57. ^"Sears opening stores for a change". Retail Dive. Retrieved April 4, 2019.
  58. ^Consillio, Kristen (April 15, 2019). "Windward Mall Sears closing on April 28". Honolulu Star-Advertiser.
  59. ^Fieldman, Chuck. "Sears closing Oakbrook Center store Sunday; liquidation under way". chicagotribune.com.
  60. ^"Sears Parent Co. Buying Sears Hometown And Outlet Stores". WBBM-TV. Chicago: CBS Corporation. June 3, 2019. Retrieved July 7, 2019.
  61. ^Tyko, Kelly (August 6, 2019). "Sears and Kmart store closings: 26 stores to close in October". USA Today. Retrieved August 7, 2019.
  62. ^Tyko, Kelly (August 31, 2019). "Kmart, Sears store closings: More locations to close by end of 2019". USA Today. Retrieved August 31, 2019.
  63. ^"Sears and Kmart store closings: 51 Sears, 45 Kmart locations what is the capital city of florida usa shutter. See the list", USA Today. November 7, 2019. Retrieved November 8, 2019.
  64. ^Thomas, Lauren (September 16, 2021). "Sears is shutting its last store in Illinois, its home state". CNBC.
  65. ^Tyko, Kelly. "Sears sells DieHard brand to Advance Auto Parts for $200 million". USA TODAY.
  66. ^"Sears closing up shop in New York City". The Real Deal. September 20, 2021.
  67. ^"Sears to close Brooklyn store, the last in NYC". Pix11. September 22, 2021.
  68. ^"Long Island's Last Sears Store, In Massapequa Mall, Closes". Patch. October 5, 2021.
  69. ^Borrelli, Christopher. "'End of an era': Once a staple of the holidays — and middle class life — the last Sears department store in Illinois closes Sunday at Woodfield Mall". chicagotribune.com. Retrieved November 15, 2021.
  70. ^Peterson, Eric (September 1, 2020). "The Sears Centre Arena has a new name today: the Now Arena". Daily Herald. Paddock Publications. Archived from the original on December 20, 2020. Retrieved September 3, 2020.
  71. ^"Craftsman Dropping Sponsorship of NASCAR Truck Series". The Kansas City Star. December 4, 2007.
  72. ^"Sprint Car Homepage | World of Outlaws". January 15, 2021.
  73. ^"600-plus Sears jobs to be cut", Chicago Tribune, February 13, 1992
  74. ^Folley, Aris (March 30, 2019). "Sears cutting life insurance benefits for up to 90,000 retirees: report". The Hill. Retrieved April 3, 2019.
  75. ^Mooney, John (July 30, 2019). "Sears Retiree Benefit". ChoiceSeniorLife.com. Archived from the original on August 15, 2019.
  76. ^Business, By Chris Isidore, CNN (May 29, 2019). "Sears' owner wants to get out of paying $43 million in severance to former employees | CNN Business". CNN.
  77. ^"Government fears Eddie Lampert would wipe out Sears' pension plans". February 1, 2019.
  78. ^"The Shameless Sears World Of Eddie Lampert Continues". June 3, 2019.

Further reading[edit]

  • Chang, Myong-Hun, and Joseph E. Harrington Jr. "Organizational structure and firm innovation in a retail chain." Computational & Mathematical Organization Theory 3.4 (1998): 267–288. compares Sears's Robert E. Wood with Montgomery Ward's Sewell Avery online[dead link]
  • Creswell, Julie (August 11, 2017). "The Incredible Shrinking Sears". The New York Times. ISSN 0362-4331.
  • Emmet, Boris, and John E Jeuck. Catalogs and Counters: A History of Sears, Roebuck, and Company (1950), the standard scholarly history
  • Israel, Fred L. 1897 Sears, Roebuck, and Co Catalogue 100th Anniversary Edition, Philadelphia: Chelsea House Publishers, 1968.
  • Katz, Donald R. The Big Store: Inside the Crisis & Revolution at Sears (1987)
  • Worthy, James C. Shaping An American Institution: Robert E. Wood and Sears, Roebuck (1986)

External links[edit]

Источник: https://en.wikipedia.org/wiki/Sears
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sears citi card customer service phone number
sears citi card customer service phone number

2 Replies to “Sears citi card customer service phone number”

  1. I have Two accounts (savings, current) with same Customer Id in same branch with same mobile number. SMS alerts are coming for only one account. I am not getting SMS alerts to other account on deposit and withdrawals. In internet banking it sends OTP to both accounts if i do any transaction using internet banking. I enabled SMS alerts multiple times using internet banking but still it is not sending alerts to my second account. My feedback to sbi is please set up SMS Alerts based on CustomerID(CIF), not based on individual accounts. It looks like SMS alerts work for only one account with one phone number per customer.

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