Citi doesn't mess around...GEEZ

[Anonymous]

I turned off auto-pay for my Citi card because I changed banks and forgot to re-add it with the new bank account. My payment was due on 9/8. No phone calls about missing the payment, but today got an email that my credit line was reduced ON A DIFFERENT CITI CARD I HAVE to what the balance was, and was sent to collections. Then got an automated call that I needed to call them. I paid the payment over the phone and they reinstated everything, but geesh, what crawled up Citi's butt?? 

[Anonymous]

I wouldnt sweat it, as you were only a few days late which would be a fee at worst. No chance of a late payment reporting or anything.

[mitchblue]

I wouldn't expect them to call you. Though if you had your alerts on I suspect they woul have emailed you or sent you a text.

[Anonymous]

They don't play with late payments. It's that critical that you stay on top of it. Oh well

[wasCB14]

When lenders/creditors talk about sending a bill to collections, how often are they selling a debt to third party vs. sending it to another department within the same company?

A few years back I confused one small medical bill for another and ended up being a few months late to pay.* The mailed notice either said or implied the debt had already been sold to a third party, but I think the debit card transaction ended up coding the payment as going to the hospital itself.

*It never appeared on any CR, so no credit repair efforts are/were necessary.

[CreditMagic7]

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@Anonymous wrote:
They don't play with late payments. It's that critical that you stay on top of it. Oh well

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+1

It only takes one time to dive bomb a profile so it's of the utmost importance to live, eat, and sleep with those accounts so that you keep due dates well ahead of either your attention and/or the machines that make the choices for you.

[yfan]

They don't mess around, and they shouldn't mess around. It's your job to stay on top of what you owe. While it's understandable that you forgot to add the new account, all Citi knows is you didn't pay. There's no bug up their butt. They are looking out for the money they lent out.

[AverageJoesCredit]

Im always skeptical on their cards like Simplicity that says no late fees ever. Really. No consequences either? . I prefer not to miss a payment or pay late then to test that theory.