Citi does not allow overpayment rant

[Anonymous]

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@TRC_WA wrote:

Too much OCD in this thread... I'm outta here.  I gotta go pay my Sallie Mae card... 30+ transactions for the month with a bill total of $1800 just cut...

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Nice... I am not usually that OCD. Its only specific things that get paid immediately with certain monies.  I am not one of them perfectionists...not yet anyway!

[Anonymous]

This is exactly why the feature on Cabela's Sig Visa allows you to pay any amount at any time, and is so helpful. I love it!

[axlm]

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@Anonymous wrote:

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Ok and I hate to even go there because its beating a dead horse..... just to clarify.... it will be fine, and settle itself at the end of the statement, so theres no discrepancy regarding the 1+1 cash back

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In my experience so far, no problems at all. You spend and earn 1%. You pay (no matter when or how) and earn the other 1%. Only catch I'm aware of that might reduce your cashback, is if you redeem the bonus as statement credit. That will count as a payment, of course, but will not count towards the 1%. Or that's what I read somewhere.

[Anonymous]

Just ACH push from your bank billpay.

[alkaline]

I think AMEX experimented with disallowing overpayments for just a little while recently... One day I went to make a payment and it said I could not pay over $xxx which was my running balance, not including pending transactions. I complained about it in live chat and I guess they let me overpay just that one time - next time I went to pay it gave me the same message again. Now it seems like it's letting me overpay again. Maybe they were experimenting.

[longtimelurker]

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@alkaline wrote:
I think AMEX experimented with disallowing overpayments for just a little while recently... One day I went to make a payment and it said I could not pay over $xxx which was my running balance, not including pending transactions. I complained about it in live chat and I guess they let me overpay just that one time - next time I went to pay it gave me the same message again. Now it seems like it's letting me overpay again. Maybe they were experimenting.

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Last week I was only able to pay balance + pending on Amex.   I will try again to see if that has gone.

[Anonymous]

all i care to do is balance plus pending. i hate that barclay and discover won't let you

[Anonymous]

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@Anonymous wrote:
all i care to do is balance plus pending. i hate that barclay and discover won't let you

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As has been mentioned serveral times in this thread, you can push payments with your bank's bill pay system.

[Anonymous]

if you use billpay, which i don't. i don't need you uselessly telling me that. i saw it in the thread. damn.

[longtimelurker]

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@Anonymous wrote:

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@Anonymous wrote:
all i care to do is balance plus pending. i hate that barclay and discover won't let you

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As has been mentioned serveral times in this thread, you can push payments with your bank's bill pay system.

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It can need a bit more planning!   For me, when I am being hyper about utilization, the issue comes a day or so before statement close, and there is a large pending charge,.  If I am able to pay it on the website, I can be pretty sure that the statement will close with a zero balance.   With a push pay, I have no such confidence.