Do you have a Citibank credit card? Congratulations! Citibank, in addition to being one of the oldest and most solid banks in the United States, offers a wide range of advantages that range from the highest cashback in the market to rewards for your online purchases (depending on the card you have).
To continue enjoying the benefits that Citibank has for you, you need to pay your card bill on time. Otherwise, you will not only have to pay penalties, fines and even the suspension of the service: you will also run the risk of lowering your credit score.
Fortunately, this bank thinks of everything and has made it easy for cardholders. You can pay your Citibank credit card in the blink of an eye (and in 7 different ways).
- 1 How much is the Citi credit card minimum payment?
- 2 How to pay Citibank credit card? 7 ways to do it
- 2.1 #1 How to Pay Citi Credit Card with a Check
- 2.2 #2 How to Pay Citi Credit Card with a Money Order
- 2.3 #3 How to pay Citibank credit card by phone
- 2.4 #4 How to Pay Citi Credit Card with Mobile Banking
- 2.5 #5 How to pay Citibank credit card with online banking
- 2.6 #6 How to Pay Citi Credit Card by ATM
- 2.7 #7 How to pay Citibank credit card with automatic debit
- 3 Frequently asked questions about Citibank credit cards
- 3.1 How to view Citibank credit card balance?
- 3.2 How to request the balance of the Citibank credit card by phone?
- 3.3 Can I pay my Citi credit card with an account at another bank?
- 3.4 Is it safe to pay for my Citi card with an account or debit card from another bank?
- 3.5 Can I pay my Citibank credit card with US Mail?
How much is the Citi credit card minimum payment?
The minimum payment of your Citibank card will depend on the balance owed. If you owe $25 or less, you will have to pay the entire debt. If you owe more than $25, the amount will change. In this case, the minimum payment will be 1% of your debt plus interest or 1.5% of the balance, whichever is greater. Let’s look at some examples to understand it:
- If the balance due on your card is $10 (with or without interest), then there will be no minimum payment. The only amount to be paid will be the entire debt, that is, $10.
- If the balance due on your card is $1,000 without interest, the bank will use two methods to calculate the minimum payment: 1.5% of the debt without interest ($15 in this case) or 1% of the balance plus interest ($10.12 assuming the total amount is $1,012). Since the highest figure is $15, that will be the minimum payment on your card.
Now, customers don’t have to do complex calculations to get their Citibank credit card minimum payment. Both the paper statement and the online account will show the minimum amount to be paid, the balance due and the total.
By law, Citibank and other US banks must also include a detailed report showing customers how long it would take to pay off the debt by making only minimum payments. If you take a look at yours, you will notice that you could end up paying a lot of interest. Keep this in mind when making your payments. It’s always a good idea to pay more than the minimum!
How to pay Citibank credit card? 7 ways to do it
Gone are the days of visiting the bank to pay the credit card. Thanks to advances in technology, many financial institutions – such as Citi – offer different online payment methods to complement traditional ones. That said, there are four ways to pay for your Citibank credit card: online, over the phone, in person, and by mail. Of course: each of them has its particularities and divisions.
#1 How to Pay Citi Credit Card with a Check
If you still have a checkbook and you don’t mind having to wait up to 7 business days to see the payment reflected in the account, you can pay your credit card with a bank check. For it, write a check including your credit card number and mail it to the following address: PO Box 9001037 Louisville KY, 40290-1037.
If you prefer, you can use the express shipping service to reduce payment processing time. In that case, repeat the steps above and send the check to Citibank Express Payments 6716 Grade Lane Building 9, Suite 910 Louisville, KY 40213.
#2 How to Pay Citi Credit Card with a Money Order
Paying credit cards with a money order is similar to using a check. Order a bank draft to your Citibank credit card number and deposit it in any post office box. The addresses will be the same as in the previous case:
- For regular mail: PO Box 9001037 Louisville KY, 40290-1037.
- For express couriers: Citibank Express Payments 6716 Grade Lane Building 9, Suite 910 Louisville, KY 40213.
#3 How to pay Citibank credit card by phone
If you don’t have Internet and writing a check to pay your credit card doesn’t seem like a good idea, you have the option of taking care of everything by phone and without leaving home. For it, dial this Citibank phone number: 1-800-950-5114 and follow the system prompts.
The platform will give you two options: make the payment through the automated system or speak directly with a bank representative. In either case, you’ll need to answer a few security questions, such as your date of birth, the last four digits of your Social Security number, and how many accounts or cards you have with Citibank.
Once your identity is verified, you will be able to order the payment. Remember to have your bank information at hand, including:
Remember: You need to have a Citi bank account in order to pay your credit card over the phone.
The last step is the easiest: enter or tell the operator the amount you want to deposit and wait for payment confirmation. The whole process will take you around 15 minutes, so we recommend you to be very patient.
tip. People with limitations or hearing impairments can call the TTY number to pay their credit card: 1-800-325-2865.
#4 How to Pay Citi Credit Card with Mobile Banking
To pay for your Citi card with mobile banking, download the app on your smartphone. The Citibank mobile app (Citi Mobile) is available for iOS and Android devices.
- Use your User ID and password to log in to the app
- Pull down the menu to see the available options
- Select “payments and transfers”
- Press the “credit cards” button
Immediately, the application will show you a statement with the last invoices generated, the amount due, the payment due date and the minimum payment. If you want to continue with the procedure, press “pay now”.
When you pay your credit card through the Citibank app, you can choose between three options: pay the total amount of the debt (which is the most recommended), pay the minimum balance or enter another amount. Select the one of your preference and enter your bank details.
To finish, press the “pay now” button, verify the data and click “send”. After completing the procedure, you will receive an email from the bank with the confirmation number of the operation and also a text message to the phone number that you registered when opening your accounts.
Recommendation: Save the confirmation number! It will serve to demonstrate that you paid on time in case there is any inconvenience.
#5 How to pay Citibank credit card with online banking
Use the Citibank online platform to pay your credit card. For it:
- Visit the official website of Citibank
- Sign in with your User ID and password
- Click on the “Online Payments” option
- Select the credit card you want to pay
- Choose the bank account to which you want to debit the payment
- Check all the data and, if there are no errors, confirm the payment
At the end, you will receive a message with the transaction confirmation number. Remember that, by this means, the payment will be reflected immediately.
#6 How to Pay Citi Credit Card by ATM
If you prefer to pay your card in cash or bank check, go to an ATM in the network. Find the Citibank ATM closest to you by clicking here. Visit the ATM and insert your debit and/or credit card. After entering the security PIN, follow the instructions of the cashier to make the deposit.
Insert the check or cash in the corresponding slot and voila! The ATM will throw a voucher that you must keep as proof of payment.
#7 How to pay Citibank credit card with automatic debit
A quick and easy way to pay your Citibank credit card is by setting up automatic debit. But, what is automatic debit? In simple words, it is an order issued to the bank so that every month and automatically it debits from your bank account 1) the amount owed or 2) a fixed figure programmed by you.
Regardless of the instructions you give the bank, the automatic debit will be made before the close of banking operations (5:00 pm), right on the due date. To enroll in the automatic withdrawal program, call 1-800-200-7056. Remember that this service is available 24/7.
tip. If you decide to enroll in the automatic withdrawal program, we recommend that you have on hand your bank’s routing number (as long as it is not Citi), the bank account number, the number of an unused check, and the amount to turn off. Remember that you can choose between a fixed amount (for example, $100) or the total amount owed (which will vary every month according to consumption).
Frequently asked questions about Citibank credit cards
If you still have questions about the balance to be paid or the payment methods of your Citibank credit card, don’t worry! Next, we will answer the frequent doubts of the users:
How to view Citibank credit card balance?
Checking your credit card balance is very easy. If you don’t want to leave home, you can do it through the on line bank Or the mobile app; visit the nearest branch; check your account in a ATM or even check the latest SMS alerts. If the bank sends you the statement by mail or email, you will see the balance due at the top.
How to request the balance of the Citibank credit card by phone?
To know what is the balance on your Citi card, call 1-800-210-2484, select the option “inquiries related to your credit card” and follow the system instructions.
Can I pay my Citi credit card with an account at another bank?
Yes. You do not need to have a bank account at Citibank to pay your card. If you have an account at another bank, use their online banking to register your credit card and order payment. Just remember that with this option it can take between 1-3 business days to reflect.
Is it safe to pay for my Citi card with an account or debit card from another bank?
Yes. Payment methods through other banks are 100% secure. Therefore, you should not have any kind of problem: your personal and bank details will be safe.
Tip. Remember to enter the official websites of each bank and check that your security certificate is authentic. Do not share your personal passwords with anyone and, if you do, change them immediately!
Can I pay my Citibank credit card with US Mail?
Actually yes. However, this method is not widely used by cardholders because it takes between 7 and 10 business days to become effective. If you want to pay your Citi credit card with US Mail, send a check or money order to the following address: Citibank Government Card Services. PO Box 183173. Columbus, OH 43218-3173.