What To Do When You Can’t Pay Your Citibank Credit Card Bill
CitiBank is a well known bank that issues credit cards and other types of loans. In times of economic hardship, credit card bills are often the last to be paid, but on time payment is necessary to preserve your credit rating. Here is how to handle your Citibank credit card.
How To Pay The Bill
CitiBank makes it possible to pay your bill online, by phone, in person at Citibank branches, and by mail.
Pay by phone: For Citibank credit card payment over the phone, call 1-888-CITIBANK. Follow the prompts to make your payment.
Pay in person: For Citibank credit card payment in person, visit this payment center locator to find a local branch near you where you can make payment.
Pay by mail: To make your payment by mail, send a check or a money order with your account number written on it to the following address:
Citibank / Choice
P.O. Box 183051
Columbus, OH 43218-3051
Attention: Payments Dept. 1500 Boltonfield Street
Columbus, OH 43228
Questions About Your billing Statement or Account?
Have you noticed charges, including, late payment fees, overdraft fees, returned check fees or insufficient funds fees? If this is the case, we recommend visiting CitiBank FAQs for a complete list of all applicable fees. You may also want to call customer service at 1-800-945-0258.
How The Penalty Fees Work
CitiBank applies a wide range of fees to customers on a monthly and a non-recurring basis, including, late payment fees, returned check fees, overdraft fees and insufficient funds fees. The amount of the fees vary depending on the location of the financial institution.
I Can’t Make A Payment
If you cannot make a payment on time, you will need to contact customer service. You may not be able to get a payment extension, but you may be able to get your payments covered under the PaymentAid service, if you’ve signed up and your hardship qualifies. PaymentAid costs 87 cents per $100 on your credit card balance and is charged every month after a 30-day trial. It covers your credit card payment if you lose income as a result of job loss, short-term disability, family leave, called to duty, or hospitalization. Otherwise, there are consumer credit counselors who will work with you to keep your account in good standing so your credit rating does not see much negativity. Some Citibank credit cards come with the option to set your own due date based on the time of the month that is best for you.
Will They Work With Me To Pay My Bill?
CitiBank will work with you to a degree to make sure your account stays in good standing. They would rather make a payment agreement with you than have to charge the account off all together for non-payment and send it to collections. Are you a current or previous CitiBank customer who has experience with this? Share your story below to help our other readers.