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Sears is one of the best department stores in the world, and they have a lot to offer those who want to shop their way back to financial stability. They are now offering a service called Shop Your Way Back, which allows you to roll back your purchases from any of your credit cards to any zero interest Sears card. In other words, you will be paying nothing for the purchases, and instead they will earn a fee from the card issuer for doing so. Here is how it works.

When you pay off an old credit card with a zero percent balance transfer to a new card, what happens? Instead of receiving a check in the mail that states that you have fully paid off the old card, what actually happens is that you will receive a notice from Sears that states that you have reached a specific dollar amount. This amount is the maximum amount of money that Sears will allow you to receive for the amount of cash back that you have charged on your account.

It is important to remember that if you have ever charged off a high interest rate card from Sears that you will not qualify for Shop Your Way Back. If you have ever charged off a low interest rate card from Sears that you will not qualify for Shop Your Way Back either. So basically, if you have had problems with Sears, whether it be over the limit fees, late payments, etc, you cannot use Shop Your Way Back to get cash back on those accounts. If you have had good customer service with Sears, however, you may be eligible to receive this special offer.

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If you are interested in applying for Shop Your Way Back, all that you need to do is contact the customer service department at Sears and ask about the possibility of receiving Shop Your Way Back. If you have already used one of their credit cards, all you need to do is show proof that you still have an active account with Sears to prove that you are still a customer. Once you receive your new card at Sears, all of your fees should be removed from your credit card. The time frame for approval of this offer varies by credit card company.

As with most other credit cards, you can only shop your way back in if you pay your entire balance each month. The money that you would save by paying off your entire card every month can be offset by the increased interest rates that you will have to pay. If you do have an interest rate reduction and you are able to pay off your balance, however, Shop Your Way Back may not be worth the risk to you. Also, it is possible that you will receive an error on your application, so be sure to check for any mistakes as well.

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If you are thinking about applying for a new credit card with Sears, you should consider Shop Your Way Back. Although this promotion sounds like it would be easy, you could find yourself paying a high interest rate, waiting several months for your approval, and in the end receiving no benefits whatsoever. Take the time to check out your options and find out whether or not this is a good credit card for you.

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