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PAs & Sears MasterCard / Sears Card Credit Limits

Is Citi required to approve a Credit Limit Increase for PAs?
Citi isn’t required to approve a CLI for a PA. In fact, what normally happens is this: If the PA is the only thing that is putting the sale over the limit (ie, the purchase itself is below the credit line), then Citi will approve the sale as an exception by subtracting the amount of the PA out of the authorization amount. When the authorization posts, this potentially places the customer over the limit, but allows the sale to proceed. However, this doesn't mean the credit line has increased.

2. What is the appropriate process to request approval?
TheStores must call the Sears Card Customer Service with the sale amount and the amount of the PA portion of the sale and request an authorization code.
The flow will prompt the agent to ask if there are any PAs included with the sale, and any PAs within the last 24 hours included with other sales.
All of these can be ignored to approve the sale.
Creation date: 2/23/2017 2:09 PM      Updated: 2/23/2017 2:09 PM
General questions about Sears Financial Services.