Citi: when do charges post?

[PointLager]

Hi fellow Citi cardholders.

I prefer to close most of my cards with zero balance showing.   If i make a charge on the day of my statement closing what are the odds of the charge posting and printing on the statement?

thanks

[lg8302ch]

If on the same day as your statement closes then I would say slim to none. In the unlikely event that it posts ..no big deal as Fico has no memory

[FinStar]

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@lg8302ch wrote:

If on the same day as your statement closes then I would say slim to none. In the unlikely event that it posts ..no big deal as Fico has no memory

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Right.  Plus, it really depends on the merchant as well. 

[Callandra]

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@FinStar wrote:

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@lg8302ch wrote:

If on the same day as your statement closes then I would say slim to none. In the unlikely event that it posts ..no big deal as Fico has no memory

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Right.  Plus, it really depends on the merchant as well. 

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True true! I find online merchants take a bit longer since they often don't charge the card until the order ships which might be 1-?? days later. One online site I used to buy from used to take weeks to charge the card. But I wouldn't worry about it too much, as lg8302ch said, Fico utilization has no memory. 

[Anonymous]

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@PointLager wrote:

Hi fellow Citi cardholders.

I prefer to close most of my cards with zero balance showing.   If i make a charge on the day of my statement closing what are the odds of the charge posting and printing on the statement?

thanks

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Usually if you make a purchase on the day your statement , it will most likely appear on your next statement.  However, if you want to be absolutely sure it doesn't  hit, the wait till your statement generates.

[Anonymous]

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@PointLager wrote:

Hi fellow Citi cardholders.

I prefer to close most of my cards with zero balance showing.   If i make a charge on the day of my statement closing what are the odds of the charge posting and printing on the statement?

thanks

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For me it would be 100% showing up.  I have found with my Citi card I have to wait 4 days beyond due date before using the card (if I'm so dead set on the zero balance showing on the reports).  I have found similar with my cards with Chase.

[PointLager]

I'm abroad and so far it's taken two days for charges to post. But I don't care to use any other cards like chase or Amex since mastercard fx is so much better. I think the first statement will also include my prestige AF so I may need to prepay if I'm to ensure the statement prints a zero balance.

[takeshi74]

As indicated above it's unlikely but possible with any creditor -- not just Citi.  It's also no big deal if a balance reports.  You can address it next cycle.  Are you applying for credit immediately anyway?

[PointLager]

I've got three new cards about to report ($44k of combined limit) plus about $37k of CLI I scored on existing cards). So I'm hoping to minimize damage of new TLs being added. My EX FICO already bounced back to above what it was when I did my most recent triple spree.

[aubie1kenobie2]

If I charge a gas purchase or used the card to pay for a restaurant, it doesn't show up on the charges until 2 days later :-)