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Evaluating the Citi and Sears Credit Card Migration: A Comprehensive Analysis

"The retail landscape underwent a significant shift when Sears Holdings, once the titan of American brick-and-mortar shopping, began its long decline. As part of this corporate restructuring, the management of the Sears credit card portfolio—historically handled by Citibank—underwent a complex migration. For millions of cardholders, this transition raised immediate concerns regarding account continuity, rewards programs, and customer service standards. Evaluating Citi’s performance during this period provides a masterclass in the challenges of massive financial data migration and consumer trust management. This transition was not merely a chan..."

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