topic Re: How to BT w/Citi in Credit Cards

How to BT w/Citi

bichonmom — Fri, 07 Sep 2012 08:21:25 GMT

I just got a 0% Citi CC and I want to BT my Navy balance. I've never done this before. My Navy is due on the 16th and I haven't rec'd my Citi card yet.

What's the process for this? Do I have to have rec'd and activated my Citi card before I BT? How long does the BT take before it posts w/Navy?

Thanks! :)

Re: How to BT w/Citi

AF_23 — Fri, 07 Sep 2012 09:19:28 GMT

It should have asked you at time of application, but if you declined then look online if you have access to a Citi account for a BT offer or simply call them. They will ask for the creditor (NAVY) ,account number you have with them as well, and balance amount you want credited. It can take up 2 weeks, so make sure you make at least a minumum payment at all costs for your Navy account this month.

Re: How to BT w/Citi

scientifics — Fri, 07 Sep 2012 12:26:55 GMT

bichonmom wrote:
I just got a 0% Citi CC and I want to BT my Navy balance. I've never done this before. My Navy is due on the 16th and I haven't rec'd my Citi card yet.

What's the process for this? Do I have to have rec'd and activated my Citi card before I BT? How long does the BT take before it posts w/Navy?

Thanks! :)

You can call Citi on the phone to initiate the BT (so you don't have to recevie the card first). All you will need is the Navy credit card number and the amount your want to transfer. HOWEVER, it can take up to 2 weeks, so I wouldn't rely on it to post before your Navy account is due.

Re: How to BT w/Citi

RockinRay — Fri, 07 Sep 2012 12:56:34 GMT

scientifics wrote:
bichonmom wrote:
I just got a 0% Citi CC and I want to BT my Navy balance. I've never done this before. My Navy is due on the 16th and I haven't rec'd my Citi card yet.

What's the process for this? Do I have to have rec'd and activated my Citi card before I BT? How long does the BT take before it posts w/Navy?

Thanks! :)

You can call Citi on the phone to initiate the BT (so you don't have to recevie the card first). All you will need is the Navy credit card number and the amount your want to transfer. HOWEVER, it can take up to 2 weeks, so I wouldn't rely on it to post before your Navy account is due.

+1 - we did a BT with my Wife's card and it took about 10 days for the process to complete.

Re: How to BT w/Citi

bichonmom — Fri, 07 Sep 2012 20:58:13 GMT

Thanks for the info! My Citi card arrived today. :)

It has 2 blank BT cks, so I may just deposit money into my ckg acct and pay Navy online as usual.

Re: How to BT w/Citi

TNTransplant — Fri, 07 Sep 2012 21:18:56 GMT

bichonmom wrote:
Thanks for the info! My Citi card arrived today. :)

It has 2 blank BT cks, so I may just deposit money into my ckg acct and pay Navy online as usual.

Yeah, I just used the balance transfer check and paid from my own account - it was easier that way. Congrats on your Citi card - great limit, too. :smileyhappy:

Re: How to BT w/Citi

bichonmom — Fri, 07 Sep 2012 21:22:21 GMT

Thanks! I never though I'd have a Citi card again. If it weren't for everything I've learned here, i sure wouldn't! This is my biggest starting CL and I didn't even need to call. It sure feels good. :)