Credit Card Center Advertiser Disclosure

Established Contributor
Posts: 586
Registered: ‎03-03-2009
0 Kudos

Re: HELP! Citi won't let me make a payment yet!

Desert-Rat wrote:

Please accept my apology if this is a dumb question.  I'm not sure I'm understanding the problem correctly. 


I got the part about it being a new card, so: 


If, after you make this first payment, will you, in the future, be able to make payments before the statement drops?  Is this standard procedure with Citi or just a first-payment-fluke?




Message Edited by Desert-Rat on 08-20-2009 11:22 PM

Yes, I believe you can make a payment on Citi's site after the first statement drops. Remember, you can only make 4 payments in between statements. You can make countless electronic payments through your bank's bill pay feature though.

Posts: 91
Registered: ‎10-05-2007
0 Kudos

Re: HELP! Citi won't let me make a payment yet!

Thanks for all of the comments / input.  I do come to this forum often . . . I even did a search and found a few posts on it but still didn't feel as though my questions had been answered, so I posted again!  It will paid off as soon as I can pay it so I hope all of my points come back the following month.  It is still going to SUCK seeing my score fall b/c of a fluke w/ Citi's system.  Oh well, what can I do now? 
Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
0 Kudos

Re: HELP! Citi won't let me make a payment yet!

Make the $1000 payment that you can so that reported balance has the least uti percentage possible.  After you make the $1000 payment, you might try calling back and see if you can get another CSR to take another $1000.  If so, you'll be dropping the balance to just over $6000, otherwise just over $7000.....both of which are better than $8100.



Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator

09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Regular Contributor
Posts: 164
Registered: ‎09-23-2008
0 Kudos

Re: HELP! Citi won't let me make a payment yet!

If you pay after the cut-off date, call CS and request a "mid-cycle update to the CB's". I've had sucess with Citi updating balances this way. Any points lost will be regained as soon as the update hits the reports (normally within 48 hrs).

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.