<!doctype html public "-//w3c//dtd html 4.0 transitional//en">
<HTML>
<head>
      <TITLE>UNITED STATES</TITLE>
</head>
<body>

<center><font face="Courier New"><font size=-1>UNITED STATES</font></font>
<br><font face="Courier New"><font size=-1>SECURITIES AND EXCHANGE COMMISSION</font></font>
<br><font face="Courier New"><font size=-1>Washington, D.C. 20549</font></font>
<p><font face="Courier New"><font size=-1>FORM 8-K</font></font>
<p><font face="Courier New"><font size=-1>CURRENT REPORT</font></font>
<br>&nbsp;
<br>&nbsp;
<p><font face="Courier New"><font size=-1>Pursuant to Section 13 of the</font></font>
<p><font face="Courier New"><font size=-1>Securities Exchange Act of 1934</font></font></center>

<p><br>
<p><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Date of Report (Date of earliest event reported): February 15, 2000</font></font>
<br>&nbsp;
<p><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Sears Credit Account Master Trust II</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(Exact name of registrant as specified in charter)</font></font>
<br>&nbsp;
<p><font face="Courier New"><font size=-1>Illinois&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
0-24776&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Not Applicable</font></font>
<br><font face="Courier New"><font size=-1>(State of&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(Commission&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(IRS Employer</font></font>
<br><font face="Courier New"><font size=-1>Organization)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
File Number)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Identification No.)</font></font>
<br>&nbsp;
<p><font face="Courier New"><font size=-1>c/o SRFG, Inc.</font></font>
<br><font face="Courier New"><font size=-1>3711 Kennett Pike</font></font>
<br><font face="Courier New"><font size=-1>Greenville, Delaware&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
19807</font></font>
<br><font face="Courier New"><font size=-1>(Address of principal executive
offices)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(Zip Code)</font></font>
<br>&nbsp;
<p><font face="Courier New"><font size=-1>Registrant's Telephone Number,
including area code: (302) 434-3176</font></font>
<br>&nbsp;
<br>&nbsp;
<p><font face="Courier New"><font size=-1>Former name, former address and
former fiscal year, if changed</font></font>
<br><font face="Courier New"><font size=-1>since last report: Not Applicable</font></font>
<br>&nbsp;
<br>&nbsp;
<br>&nbsp;
<br>&nbsp;
<br>&nbsp;
<br>&nbsp;
<br>&nbsp;
<br>&nbsp;
<br>&nbsp;
<br>&nbsp;
<p><font face="Courier New"><font size=-1>Item 5. Other Events</font></font>
<br>&nbsp;
<p><font face="Courier New"><font size=-1>On February 15, 2000, Registrant
made available the Monthly Investor</font></font>
<br><font face="Courier New"><font size=-1>Certificateholders' Statements
set forth as Exhibits 20(a) through 20(m).</font></font>
<br>&nbsp;
<p><font face="Courier New"><font size=-1>Item 7. Financial Statements
and Exhibits</font></font>
<p><font face="Courier New"><font size=-1>20(a). Series 1994-1 Monthly
Investor Certificateholders' Statement</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
related to the distribution of February 15, 2000 and reflecting the</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
performance of the Trust during the Due Period ended in January</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
2000, which will accompany the distribution on February 15, 2000.</font></font>
<p><font face="Courier New"><font size=-1>20(b). Series 1995-2 Monthly
Investor Certificateholders' Statement</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
related to the distribution of February 15, 2000 and reflecting the</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
performance of the Trust during the Due Period ended in January</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
2000, which will accompany the distribution on February 15, 2000.</font></font>
<p><font face="Courier New"><font size=-1>20(c). Series 1995-3 Monthly
Investor Certificateholders' Statement</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
related to the distribution of February 15, 2000 and reflecting the</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
performance of the Trust during the Due Period ended in January</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
2000, which will accompany the distribution on February 15, 2000.</font></font>
<p><font face="Courier New"><font size=-1>20(d). Series 1995-5 Monthly
Investor Certificateholders' Statement</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
related to the distribution of February 15, 2000 and reflecting the</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
performance of the Trust during the Due Period ended in January</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
2000, which will accompany the distribution on February 15, 2000.</font></font>
<p><font face="Courier New"><font size=-1>20(e). Series 1996-1 Monthly
Investor Certificateholders' Statement</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
related to the distribution of February 15, 2000 and reflecting the</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
performance of the Trust during the Due Period ended in January</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
2000, which will accompany the distribution on February 15, 2000.</font></font>
<p><font face="Courier New"><font size=-1>20(f). Series 1996-3 Monthly
Investor Certificateholders' Statement</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
related to the distribution of February 15, 2000 and reflecting the</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
performance of the Trust during the Due Period ended in January</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
2000, which will accompany the distribution on February 15, 2000.</font></font>
<p><font face="Courier New"><font size=-1>20(g). Series 1996-4 Monthly
Investor Certificateholders' Statement</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
related to the distribution of February 15, 2000 and reflecting the</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
performance of the Trust during the Due Period ended in January</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
2000, which will accompany the distribution on February 15, 2000.</font></font>
<p><font face="Courier New"><font size=-1>20(h). Series 1997-1 Monthly
Investor Certificateholders' Statement</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
related to the distribution of February 15, 2000 and reflecting the</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
performance of the Trust during the Due Period ended in January</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
2000, which will accompany the distribution on February 15, 2000.</font></font>
<p><font face="Courier New"><font size=-1>20(i). Series 1998-1 Monthly
Investor Certificateholders' Statement</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
related to the distribution of February 15, 2000 and reflecting</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
the performance of the Trust during the Due Period ended in January</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
2000, which will accompany the distribution on February 15, 2000.</font></font>
<p><font face="Courier New"><font size=-1>20(j). Series 1998-2 Monthly
Investor Certificaterholders' Statement</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
related to the distribution of February 15, 2000 and reflecting the</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
performance of the Trust during the Due Period ended in January</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
2000, which will accompany the distribution on February 15, 2000.</font></font>
<p><font face="Courier New"><font size=-1>20(k). Series 1999-1 Monthly
Investor Certificaterholders' Statement</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
related to the distribution of February 15, 2000 and reflecting the</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
performance of the Trust during the Due Period ended in January</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
2000, which will accompany the distribution on February 15, 2000.</font></font>
<p><font face="Courier New"><font size=-1>20(l). Series 1999-2 Monthly
Investor Certificaterholders' Statement</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
related to the distribution of February 15, 2000 and reflecting the</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
performance of the Trust during the Due Period ended in January</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
2000, which will accompany the distribution on February 15, 2000.</font></font>
<p><font face="Courier New"><font size=-1>20(m). Series 1999-3 Monthly
Investor Certificaterholders' Statement</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
related to the distribution of February 15, 2000 and reflecting the</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
performance of the Trust during the Due Period ended in January</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
2000, which will accompany the distribution on February 15, 2000.</font></font>
<br>&nbsp;
<p><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
SIGNATURES</font></font>
<br>&nbsp;
<p><font face="Courier New"><font size=-1>Pursuant to the requirements
of the Securities Exchange Act of 1934, the</font></font>
<br><font face="Courier New"><font size=-1>Registrant has duly caused this
report to be signed on its behalf by the</font></font>
<br><font face="Courier New"><font size=-1>undersigned thereunto duly authorized.</font></font>
<p><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Sears Credit Account Master Trust II</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(Registrant)</font></font>
<br>&nbsp;
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
By: SRFG, Inc.</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(Originator of the Trust)</font></font>
<br>&nbsp;
<p><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
By: /s/Donald J. Woytek</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;
Donald J. Woytek</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;
Vice President, Administration</font></font>
<p><font face="Courier New"><font size=-1>Date: February 15, 2000</font></font>
<br>&nbsp;
<br>&nbsp;
<p><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
EXHIBIT INDEX</font></font>
<br>&nbsp;
<p><font face="Courier New"><font size=-1>Exhibit No.</font></font>
<p><font face="Courier New"><font size=-1>20(a). Series 1994-1 Monthly
Investor Certificateholders' Statement</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(February 15, 2000)</font></font>
<p><font face="Courier New"><font size=-1>20(b). Series 1995-2 Monthly
Investor Certificateholders' Statement</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(February 15, 2000)</font></font>
<p><font face="Courier New"><font size=-1>20(c). Series 1995-3 Monthly
Investor Certificateholders' Statement</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(February 15, 2000)</font></font>
<p><font face="Courier New"><font size=-1>20(d). Series 1995-5 Monthly
Investor Certificateholders' Statement</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(February 15, 2000)</font></font>
<p><font face="Courier New"><font size=-1>20(e). Series 1996-1 Monthly
Investor Certificateholders' Statement</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(February 15, 2000)</font></font>
<p><font face="Courier New"><font size=-1>20(f). Series 1996-3 Monthly
Investor Certificateholders' Statement</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(February 15, 2000)</font></font>
<p><font face="Courier New"><font size=-1>20(g). Series 1996-4 Monthly
Investor Certificateholders' Statement</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(February 15, 2000)</font></font>
<p><font face="Courier New"><font size=-1>20(h). Series 1997-1 Monthly
Investor Certificateholders' Statement</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(February 15, 2000)</font></font>
<p><font face="Courier New"><font size=-1>20(i). Series 1998-1 Monthly
Investor Certificateholders' Statement</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(February 15, 2000)</font></font>
<p><font face="Courier New"><font size=-1>20(j). Series 1998-2 Monthly
Investor Certificateholders' Statement</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(February 15, 2000)</font></font>
<p><font face="Courier New"><font size=-1>20(k). Series 1999-1 Monthly
Investor Certificateholders' Statement</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(February 15, 2000)</font></font>
<p><font face="Courier New"><font size=-1>20(l). Series 1999-2 Monthly
Investor Certificateholders' Statement</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(February 15, 2000)</font></font>
<p><font face="Courier New"><font size=-1>20(m). Series 1999-3 Monthly
Investor Certificateholders' Statement</font></font>
<br><font face="Courier New"><font size=-1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(February 15, 2000)</font></font>
<br>&nbsp;
<br>&nbsp;
</body>
</HTML>
[{"type": "8-K", "sequence": "1", "description": "MASTER TRUST 8-K 2/2000", "secsgml_size_bytes": 17999}]
{"company-data": {"conformed-name": "SEARS CREDIT ACCOUNT MASTER TRUST II", "cik": "0000923569", "assigned-sic": "6189", "state-of-incorporation": "IL", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-24776", "film-number": "544722"}, "business-address": {"street1": "3711 KENNETT PIKE", "street2": "C/O SEARS RECEIVABLE FINANCING GROUP INC", "city": "GREENVILLE", "state": "DE", "zip": "19807", "phone": "3028883176"}, "mail-address": {"street1": "SEARS TOWER 51ST FLOOR", "street2": "SEARS TOWER 51ST FLOOR", "city": "CHICAGO", "state": "IL", "zip": "60684"}}
UNITED STATES
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 of the
Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): February 15, 2000
Sears Credit Account Master Trust II
(Exact name of registrant as specified in charter)
Illinois                        
0-24776                     
Not Applicable
(State of                    
(Commission                  
(IRS Employer
Organization)                
File Number)                  
Identification No.)
c/o SRFG, Inc.
3711 Kennett Pike
Greenville, Delaware                                
      
19807
(Address of principal executive
offices)                
(Zip Code)
Registrant's Telephone Number,
including area code: (302) 434-3176
Former name, former address and
former fiscal year, if changed
since last report: Not Applicable
Item 5. Other Events
On February 15, 2000, Registrant
made available the Monthly Investor
Certificateholders' Statements
set forth as Exhibits 20(a) through 20(m).
Item 7. Financial Statements
and Exhibits
20(a). Series 1994-1 Monthly
Investor Certificateholders' Statement
related to the distribution of February 15, 2000 and reflecting the
performance of the Trust during the Due Period ended in January
2000, which will accompany the distribution on February 15, 2000.
20(b). Series 1995-2 Monthly
Investor Certificateholders' Statement
related to the distribution of February 15, 2000 and reflecting the
performance of the Trust during the Due Period ended in January
2000, which will accompany the distribution on February 15, 2000.
20(c). Series 1995-3 Monthly
Investor Certificateholders' Statement
related to the distribution of February 15, 2000 and reflecting the
performance of the Trust during the Due Period ended in January
2000, which will accompany the distribution on February 15, 2000.
20(d). Series 1995-5 Monthly
Investor Certificateholders' Statement
related to the distribution of February 15, 2000 and reflecting the
performance of the Trust during the Due Period ended in January
2000, which will accompany the distribution on February 15, 2000.
20(e). Series 1996-1 Monthly
Investor Certificateholders' Statement
related to the distribution of February 15, 2000 and reflecting the
performance of the Trust during the Due Period ended in January
2000, which will accompany the distribution on February 15, 2000.
20(f). Series 1996-3 Monthly
Investor Certificateholders' Statement
related to the distribution of February 15, 2000 and reflecting the
performance of the Trust during the Due Period ended in January
2000, which will accompany the distribution on February 15, 2000.
20(g). Series 1996-4 Monthly
Investor Certificateholders' Statement
related to the distribution of February 15, 2000 and reflecting the
performance of the Trust during the Due Period ended in January
2000, which will accompany the distribution on February 15, 2000.
20(h). Series 1997-1 Monthly
Investor Certificateholders' Statement
related to the distribution of February 15, 2000 and reflecting the
performance of the Trust during the Due Period ended in January
2000, which will accompany the distribution on February 15, 2000.
20(i). Series 1998-1 Monthly
Investor Certificateholders' Statement
related to the distribution of February 15, 2000 and reflecting
the performance of the Trust during the Due Period ended in January
2000, which will accompany the distribution on February 15, 2000.
20(j). Series 1998-2 Monthly
Investor Certificaterholders' Statement
related to the distribution of February 15, 2000 and reflecting the
performance of the Trust during the Due Period ended in January
2000, which will accompany the distribution on February 15, 2000.
20(k). Series 1999-1 Monthly
Investor Certificaterholders' Statement
related to the distribution of February 15, 2000 and reflecting the
performance of the Trust during the Due Period ended in January
2000, which will accompany the distribution on February 15, 2000.
20(l). Series 1999-2 Monthly
Investor Certificaterholders' Statement
related to the distribution of February 15, 2000 and reflecting the
performance of the Trust during the Due Period ended in January
2000, which will accompany the distribution on February 15, 2000.
20(m). Series 1999-3 Monthly
Investor Certificaterholders' Statement
related to the distribution of February 15, 2000 and reflecting the
performance of the Trust during the Due Period ended in January
2000, which will accompany the distribution on February 15, 2000.
SIGNATURES
Pursuant to the requirements
of the Securities Exchange Act of 1934, the
Registrant has duly caused this
report to be signed on its behalf by the
undersigned thereunto duly authorized.
Sears Credit Account Master Trust II
(Registrant)
By: SRFG, Inc.
(Originator of the Trust)
By: /s/Donald J. Woytek
Donald J. Woytek
Vice President, Administration
Date: February 15, 2000
EXHIBIT INDEX
Exhibit No.
20(a). Series 1994-1 Monthly
Investor Certificateholders' Statement
(February 15, 2000)
20(b). Series 1995-2 Monthly
Investor Certificateholders' Statement
(February 15, 2000)
20(c). Series 1995-3 Monthly
Investor Certificateholders' Statement
(February 15, 2000)
20(d). Series 1995-5 Monthly
Investor Certificateholders' Statement
(February 15, 2000)
20(e). Series 1996-1 Monthly
Investor Certificateholders' Statement
(February 15, 2000)
20(f). Series 1996-3 Monthly
Investor Certificateholders' Statement
(February 15, 2000)
20(g). Series 1996-4 Monthly
Investor Certificateholders' Statement
(February 15, 2000)
20(h). Series 1997-1 Monthly
Investor Certificateholders' Statement
(February 15, 2000)
20(i). Series 1998-1 Monthly
Investor Certificateholders' Statement
(February 15, 2000)
20(j). Series 1998-2 Monthly
Investor Certificateholders' Statement
(February 15, 2000)
20(k). Series 1999-1 Monthly
Investor Certificateholders' Statement
(February 15, 2000)
20(l). Series 1999-2 Monthly
Investor Certificateholders' Statement
(February 15, 2000)
20(m). Series 1999-3 Monthly
Investor Certificateholders' Statement
(February 15, 2000)