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): October 15, 1999

 
                    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 October 15, 1999, 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 October 15, 1999 and reflecting the 
            performance of the Trust during the Due Period ended in September   
            1999, which will accompany the distribution on October 15, 1999.

  20(b).    Series 1995-2 Monthly Investor Certificateholders' Statement    
            related to the distribution of October 15, 1999 and reflecting the 
            performance of the Trust during the Due Period ended in September   
            1999, which will accompany the distribution on October 15, 1999.

  20(c).    Series 1995-3 Monthly Investor Certificateholders' Statement    
            related to the distribution of October 15, 1999 and reflecting the 
            performance of the Trust during the Due Period ended in September   
            1999, which will accompany the distribution on October 15, 1999.

  20(d).    Series 1995-5 Monthly Investor Certificateholders' Statement    
            related to the distribution of October 15, 1999 and reflecting the 
            performance of the Trust during the Due Period ended in September   
            1999, which will accompany the distribution on October 15, 1999.

  20(e).    Series 1996-1 Monthly Investor Certificateholders' Statement    
            related to the distribution of October 15, 1999 and reflecting the 
            performance of the Trust during the Due Period ended in September   
            1999, which will accompany the distribution on October 15, 1999.

  20(f).    Series 1996-2 Monthly Investor Certificateholders' Statement    
            related to the distribution of October 15, 1999 and reflecting the 
            performance of the Trust during the Due Period ended in September   
            1999, which will accompany the distribution on October 15, 1999.

  20(g).    Series 1996-3 Monthly Investor Certificateholders' Statement    
            related to the distribution of October 15, 1999 and reflecting the 
            performance of the Trust during the Due Period ended in September   
            1999, which will accompany the distribution on October 15, 1999.

  20(h).    Series 1996-4 Monthly Investor Certificateholders' Statement    
            related to the distribution of October 15, 1999 and reflecting the 
            performance of the Trust during the Due Period ended in September   
            1999, which will accompany the distribution on October 15, 1999.

  20(i).    Series 1997-1 Monthly Investor Certificateholders' Statement    
            related to the distribution of October 15, 1999 and reflecting the 
            performance of the Trust during the Due Period ended in September   
            1999, which will accompany the distribution on October 15, 1999. 

  20(j).    Series 1998-1 Monthly Investor Certificateholders' Statement    
            related to the distribution of October 15, 1999 and reflecting the 
            performance of the Trust during the Due Period ended in September   
            1999, which will accompany the distribution on October 15, 1999.

  20(k).    Series 1998-2 Monthly Investor Certificateholders' Statement   
            related to the distribution of October 15, 1999 and reflecting the 
            performance of the Trust during the Due Period ended in September   
            1999, which will accompany the distribution on October 15, 1999.

  20(l).    Series 1999-1 Monthly Investor Certificateholders' Statement   
            related to the distribution of October 15, 1999 and reflecting the 
            performance of the Trust during the Due Period ended in September   
            1999, which will accompany the distribution on October 15, 1999.
                                                                            
  20(m).    Series 1999-2 Monthly Investor Certificateholders' Statement   
            related to the distribution of October 15, 1999 and reflecting the 
            performance of the Trust during the Due Period ended in September   
            1999, which will accompany the distribution on October 15, 1999.

 
 
                   
                                      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: October 15, 1999

 
                                EXHIBIT INDEX

 
 
Exhibit No.

  20(a).    Series 1994-1 Monthly Investor Certificateholders' Statement
            (October 15, 1999) 

  20(b).    Series 1995-2 Monthly Investor Certificateholders' Statement
            (October 15, 1999) 

  20(c).    Series 1995-3 Monthly Investor Certificateholders' Statement
            (October 15, 1999) 

  20(d).    Series 1995-5 Monthly Investor Certificateholders' Statement
            (October 15, 1999) 

  20(e).    Series 1996-1 Monthly Investor Certificateholders' Statement
            (October 15, 1999) 

  20(f).    Series 1996-2 Monthly Investor Certificateholders' Statement
            (October 15, 1999) 

  20(g).    Series 1996-3 Monthly Investor Certificateholders' Statement
            (October 15, 1999) 

  20(h).    Series 1996-4 Monthly Investor Certificateholders' Statement
            (October 15, 1999) 

  20(i).    Series 1997-1 Monthly Investor Certificateholders' Statement
            (October 15, 1999)

  20(j).    Series 1998-1 Monthly Investor Certificateholders' Statement
            (October 15, 1999)

  20(k).    Series 1998-2 Monthly Investor Certificateholders' Statement
            (October 15, 1999)

  20(l).    Series 1999-1 Monthly Investor Certificateholders' Statement
            (October 15, 1999)

  20(m).    Series 1999-2 Monthly Investor Certificateholders' Statement
            (October 15, 1999)