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?
D-RMessage 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.
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.