Credit Center FAQs

CREDIT OPTIONS FOR ANY PROJECT & any BUDGET The answers to your frequently asked questions all in one place

General Credit FAQs
Consumer Credit Card FAQs
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General Credit FAQs

Consumer Credit Card FAQs

Account Security
Authorized Users
Disputes
Information Update
Lost or Stolen Cards
Managing Credit
Payments
Replacement Cards
Statements
Transactions

Account Security

How can I protect my account while traveling?

• Remember to get your card back when you are purchasing goods or services.
• Do not leave your card in hotel rooms or exposed for long periods on restaurant tables. The card number can be copied, even if the card is not taken.
• Make sure you retain all copies of your receipts when making a purchase.
• In addition, if your card is lost or stolen, contact Consumer Credit Card Customer Service toll free at 1-800-677-0232 immediately to help reduce any risk.
If you are traveling abroad, contact Customer Service at the number on the back of your card to obtain the collect phone number to call for assistance.

Authorized Users1-800-677-0232

Disputes

Information Update

How do I change my name?

If your name has changed or will change within the next 30 days because of marriage, divorce, addition or correction of a middle initial, a suffix or a prefix (other than the addition of Jr. or Sr) complete your request online. Log into your Citi account online. Go to the Account Profile menu at the top of this page, then select Edit Contact Information.If your name change is for any other reason, please submit your request in writing to the address listed in the Contact Us page. Please include the following with your request:
• The account number
• The reason for the change
• Your signature

Lost or Stolen Cards

Managing Credit

Payments

How is my payment applied to my account?

Citi generally applies payments in excess of the Minimum Payment Due to higher APR balances first. However, when you have a deferred interest promotion on your account that is expiring within the next 2-3 billing cycles, Citi will apply your payment first to the Minimum Payment Due and then to the expiring deferred interest promotional balance before other balances. This may allow you to pay off your deferred interest promotional balance before it expires and help you to avoid interest on the deferred interest promotional balance that might otherwise be billed to your account. Payments in excess of the Minimum Payment Due that are received before a deferred interest promotion expires are applied to the deferred interest promotional balance first in the last two billing cycles of the promotional period. If the expiration date of a deferred interest promotion is before the payment due date in the billing cycle in which the deferred interest promotion expires, excess payments received before the deferred interest promotion expires are applied to the deferred interest promotional balance first in the last three billing cycles of the promotional period.

How can I pay my bill immediately?

To make online payments at no charge, click the Payments menu, then click the link to add a payment account or make a payment. For an external source, you'll need your bank account number and ABA routing number to complete the process. This will authorize your bank to electronically debit your checking or savings account to pay your bill. Remember, your payments will not be made automatically unless you enroll in AutoPay. You will need to sign on each month to make a payment request. Please note: If our system cannot validate your bank information after your first payment, you may have to wait up to 15 days to make an additional payment online.

When will my consumer credit card payment be credited?

Citi Consumer Credit Cards (does not include Business Credit Cards) Crediting of Payments by Mail: If we receive your payment in proper form at our processing facility by 5 p.m. local time there, it will be credited as of that day. A payment received there in proper form after that time will be credited as of the next day. Allow 5 to 7 days for payments by regular mail to reach us. There may be a delay of up to 5 days in crediting a payment we receive that is not in proper form or not sent to the correct address.
• Enclose a valid check or money order. No cash or foreign currency please.
• Include your name and last four digits of your account number on the front of your check or money order.
For Consumer Credit Cards: Crediting of Payments Other Than By Mail:The payment cutoff time for Online Bill Payments, Phone Payments, and Express mail payments is midnight Eastern time. This means that we will credit your account as of the calendar day, based on Eastern time, that we receive your payment request.

Am I able to change my due date?

To change your Payment Due Date, log into your Citi account online, roll over Tools & Services in the menu above and select "View and Update Card", then choose Change Your Payment Due Date. Please note
• You will only see the option to change your payment due date if your account is eligible.
• You can change this date only once every 3 months.
• When you change your Payment Due Date, it will take from 1-2 billing cycles, depending on when you make the change.

How is my payment applied to my account?

We generally apply payments in excess of the Minimum Payment Due to higher APR balances first. However, when you have a deferred interest promotion on your account that is expiring within the next 2-3 billing cycles, we will apply your payment first to the Minimum Payment Due and then to the expiring deferred interest promotional balance before other balances. This may allow you to pay off your deferred interest promotional balance before it expires and help you to avoid interest on the deferred interest promotional balance that might otherwise be billed to your account. Payments in excess of the Minimum Payment Due that are received before a deferred interest promotion expires are applied to the deferred interest promotional balance first in the last two billing cycles of the promotional period. If the expiration date of a deferred interest promotion is before the payment due date in the billing cycle in which the deferred interest promotion expires, excess payments received before the deferred interest promotion expires are applied to the deferred interest promotional balance first in the last three billing cycles of the promotional period.

Replacement Cards

Statements

Why am I having trouble accessing my online statements?

Your statement may not be available online if it predates the time you became a cardmember, there was no account activity for a particular month or you had a $0 balance prior to 2002. System and product conversions can also affect availability. Also, if you are looking in the Immediately Available statements list on the Statements page, only your 12 most recent months of statements are available. Statements older than 12 months are available in the Archived Statements list. If you have converted accounts or your account number has changed due to lost or stolen cards, you might need to add the account. To do this from your Account Home, log into your Citi account online, click on Add Another Account to This User ID.
For further assistance, call Consumer Credit Card Customer Service at 1-800-677-0232.

Transactions

Applications

Purchases

Payments

Pro Xtra Credit Card (Commercial Revolving Charge) FAQS

COMMERCIAL Charge Card FAQs

Commercial Revolving Card FAQ
Commercial Account FAQ
All Commercial Card FAQs

Commercial Revolving Card FAQ

What is Joint & Several Liability?

Joint and Several Liability means that both the business and the individual may each be held fully liable for all obligations under, and all amounts due on, the account in the event the company defaults. Today, we require all CRC applications to include a personal guarantor. A personal guarantee helps businesses that may not otherwise have enough credit history to be able to establish a commercial account. Giving us your personal guarantee will expedite the processing of your application, especially if you have a small or young company.

Commercial Account FAQ

All Commercial Card FAQs

When do mailed payments post?

For payments by regular mail, please allow 5-7 days for your payment to reach us. Payment must be received in proper form at our processing facility by 12 a.m. EST at the payment center to be credited as of that day. All payments received at the processing facility in proper form after that hour will be credited as of the following day.
There may be a delay of up to 5 days in crediting a payment sent by mail if it is not in the proper form, or if it is addressed to a location other than the address listed on the return envelope or on the front of the payment coupon, or, for courier or express mail payments, to the Express Payment address.

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Credit Center FAQs

Consumer Credit Card FAQs

Project Loan FAQs

Pro Xtra Credit Card (Commercial Revolving Charge) FAQS

COMMERCIAL Charge Card FAQs

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