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Author Topic: Citi payment question  (Read 4925 times)

Offline txtmax4

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Citi payment question
« on: May 15, 2011, 01:08:08 AM »
(Mods: Please help me out with a proper title for this one, I couldn't think of anything.)

This question is specifically about a Citi credit card:
Last month's statement has closed and during the current cycle I have returned and gotten credit for stuff that was bought in the past cycle. I've also returned merchandise that was purchased during this current cycle.
I want to pay the full statement balance as to not incur any interest charges.
The question is, which (if any) credits can be counted towards the statement amount, having to pay just the difference?
Again, ALL returns have been made during the current cycle, AFTER the statement has closed.

P.S. I know, for example, with Amex Starwood you can count them all towards your payment.
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Offline Yordai Dooma

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Re: Citi payment question
« Reply #1 on: May 15, 2011, 01:58:57 AM »
Amex does indeed show you what you must pay to be considered "paid in full."
With citi, i have called them and asked how much i need to pay in order to be considered in full.
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Offline txtmax4

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Re: Citi payment question
« Reply #2 on: May 15, 2011, 02:31:14 AM »
Quote from: David on May 15, 2011, 01:58:57 AM
Amex does indeed show you what you must pay to be considered "paid in full."
With citi, i have called them and asked how much i need to pay in order to be considered in full.
And what did they say?
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Offline Yordai Dooma

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Re: Citi payment question
« Reply #3 on: May 15, 2011, 02:40:21 AM »
Quote from: txtmax4 on May 15, 2011, 02:31:14 AM
And what did they say?
They calculated the amount due based on the credits posted to the account.
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Offline txtmax4

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Re: Citi payment question
« Reply #4 on: May 15, 2011, 03:06:15 AM »
Quote from: David on May 15, 2011, 02:40:21 AM
They calculated the amount due based on the credits posted to the account.
During what cycle did those credits post?
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Offline Yordai Dooma

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Re: Citi payment question
« Reply #5 on: May 15, 2011, 03:10:55 AM »
Quote from: txtmax4 on May 15, 2011, 03:06:15 AM
During what cycle did those credits post?
dont remember...
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Offline txtmax4

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Re: Citi payment question
« Reply #6 on: May 15, 2011, 03:22:26 AM »
Quote from: David on May 15, 2011, 03:10:55 AM
dont remember...
Did you read the OP?
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Offline Yordai Dooma

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Re: Citi payment question
« Reply #7 on: May 15, 2011, 03:45:44 AM »
Quote from: txtmax4 on May 15, 2011, 03:22:26 AM
Did you read the OP?
Oh, you want to go that route? (thx btw for the PM re the citi card).
Yes, i read the OP. My response was that you can call citi (a 3 minute phone call [gasp as dan would say]) and ask them what the total amount you need to pay is. I believe my situation was the current cycle as well, in fact it for sure was now that i think about it. A 3 minute phone call could have been made a long time ago instead of this back and forth and you would have your answer :D
I was just trying to help. You're welcome ;D

Oh, and obviously the credit posted in the current cycle. Otherwise they would be on the statement.
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Offline txtmax4

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Re: Citi payment question
« Reply #8 on: May 15, 2011, 11:24:37 AM »
I trust DD members way more than Citi agents.
That's exactly why I didn't pick up the phone.
Thanks. Now I got the answer.
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Offline txtmax4

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Re: Citi payment question
« Reply #9 on: May 18, 2011, 04:35:45 PM »
By the way the Citi agent i just talked to said I have to pay in full in order not to incur finance charges....
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Offline dans fan

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Re: Citi payment question
« Reply #10 on: May 18, 2011, 04:51:29 PM »
Quote from: txtmax4 on May 18, 2011, 04:35:45 PM
By the way the Citi agent i just talked to said I have to pay in full in order not to incur finance charges....
i think thats correct. chase is the worst
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Offline AsherO

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Re: Citi payment question
« Reply #11 on: May 18, 2011, 04:54:30 PM »
Quote from: txtmax4 on May 18, 2011, 04:35:45 PM
By the way the Citi agent i just talked to said I have to pay in full in order not to incur finance charges....

Yup. I was even advised to pay an annual fee that was going to (eventually) be credited to me (since I switched the card type).
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Offline dans fan

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Re: Citi payment question
« Reply #12 on: May 18, 2011, 05:06:36 PM »
with chase if your bal is at 0 after returns but you made new purchases during new cycle you will get charged late fee.  iow the returns count for new purchases
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Offline txtmax4

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Re: Citi payment question
« Reply #13 on: May 18, 2011, 09:30:45 PM »
Quote from: dans fan on May 18, 2011, 05:06:36 PM
with chase if your bal is at 0 after returns but you made new purchases during new cycle you will get charged late fee.  iow the returns count for new purchases
I recently had an experience with Chase where the returns did count towards the payment, but there weren't any charges during the new cycle.
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Offline dans fan

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Re: Citi payment question
« Reply #14 on: May 18, 2011, 11:00:18 PM »
it does lower your bal if you have no new charges but it doesnt count towards min payment
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Offline txtmax4

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Re: Citi payment question
« Reply #15 on: May 18, 2011, 11:02:47 PM »
Quote from: dans fan on May 18, 2011, 11:00:18 PM
it does lower your bal if you have no new charges but it doesnt count towards min payment
Min. payment forsure not, what about counting it towards full payment with chase?
Amex no problem.
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Offline txtmax4

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Re: Citi payment question
« Reply #16 on: May 18, 2011, 11:04:48 PM »
Quote from: AsherO on May 18, 2011, 04:54:30 PM
Yup. I was even advised to pay an annual fee that was going to (eventually) be credited to me (since I switched the card type).
"Going to eventually" forsure you have to pay towards it, unless it gets credited before the due date (which is the OP question).
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Offline AsherO

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Re: Citi payment question
« Reply #17 on: May 19, 2011, 04:52:59 AM »
Quote from: txtmax4 on May 18, 2011, 11:04:48 PM
"Going to eventually" forsure you have to pay towards it, unless it gets credited before the due date (which is the OP question).

Fair enough.
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Offline txtmax4

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Re: Citi payment question
« Reply #18 on: May 19, 2011, 09:47:56 AM »
Update:
I spoke to another rep. at Citi and she naturally told me that all I have to pay is the difference, and that my credits do count.
She also put a note on my account stating that she advised me that I won't be incurring any finance charges.

I'm taking the plunge...
It's been a very very long time since I paid any interest BH...
If any interest generates, I will be able to find out 3 days after i make my payment which is when the statement closes..
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Offline Yordai Dooma

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Re: Citi payment question
« Reply #19 on: May 19, 2011, 10:26:15 AM »
Quote from: txtmax4 on May 19, 2011, 09:47:56 AM
Update:
I spoke to another rep. at Citi and she naturally told me that all I have to pay is the difference, and that my credits do count.
She also put a note on my account stating that she advised me that I won't be incurring any finance charges.

I'm taking the plunge...
It's been a very very long time since I paid any interest BH...
If any interest generates, I will be able to find out 3 days after i make my payment which is when the statement closes..
Wouldnt worry about. Ive never had a problem getting citi to reverse finance charges when i was in the right.
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