topic Re: Citi does not allow overpayment rant in Credit Cards

Citi does not allow overpayment rant

Anonymous — Fri, 07 Aug 2015 19:22:15 GMT

So as much grief as I give new people for being OCD with utilization by adjusting payment due dates and trying to have everything paid before statement cuts.... I actually do pay several transactions a month, almost instantly after the swipe. (helps me keep track of things more easily, yes I know its quirky, but it works for me!)

Anyway, I made two small purchases on my new DC card. Wednesday for $20. And today for $35. I went online this morning, and paid the $20. It said it would not be processed until the 10th. Ok...thats fine.

Then, I log on again this afternoon, and attempt to make a payment, of $35. It would not let me select any day in the month of August... um ok.... So then I went in to pending payments, and it gave me the option to edit my current $20 one. SO I changed it to $55, and hit submit. Nope, denied. It would not allow overpayment.

Ok, so um, why would it let me schedule a payment for september, for whatever I amount I choose ( was able to do this, and canceled it) but yet if I wanted to increase my current payment, it wont let it???

I know this gets into that whole crazy territory of that purchase tracker thing. That is not what this is about. I was going to circumvent any possible confusion by editing not only the payment amount, but delaying it to the middle of next week so that $35 would post. Nope, couldn't do that either...... This is exactly why I get frustrated with trying to micromanage stuff, and its just better to let things go, whether they post to statement date or not (and yes I am WELL aware if I would wait another day or two, I would not have this problem, but that is not the point).

That would be kinda awesome though, if everytime you threw monty into the citi card, that it automatically gave you 1 percent back, regardless if you had purchased anything or not. Lol.

Re: Citi does not allow overpayment rant

Anonymous — Fri, 07 Aug 2015 19:23:44 GMT

barclay doesn't allow it either. i went to pay the exact amount of my posting and pending transactions and i couldn't.

Re: Citi does not allow overpayment rant

axlm — Fri, 07 Aug 2015 19:27:01 GMT

push the payment from your checking account?

Re: Citi does not allow overpayment rant

Anonymous — Fri, 07 Aug 2015 19:27:58 GMT

@Anonymous wrote:
barclay doesn't allow it either. i went to pay the exact amount of my posting and pending transactions and i couldn't.

will these places reject checks too? or is it just online? because there are many many moments, although not so much any more, where I use Amex Serve to send payments... I know at first they send checks, and its kind of wired later on.....

Re: Citi does not allow overpayment rant

PrimeRate — Fri, 07 Aug 2015 19:29:27 GMT

Push a payment from your banks Billpay. Wala!

Re: Citi does not allow overpayment rant

PrimeRate — Fri, 07 Aug 2015 19:30:01 GMT

@axlm wrote:
push the payment from your checking account?

Beat me!

Re: Citi does not allow overpayment rant

axlm — Fri, 07 Aug 2015 19:39:05 GMT

@PrimeRate wrote:
@axlm wrote:
push the payment from your checking account?
Beat me!

I'm having problems to focus while watching your avatar, it's so silly and funny

Re: Citi does not allow overpayment rant

Anonymous — Fri, 07 Aug 2015 19:50:35 GMT

@Anonymous wrote:
@Anonymous wrote:
barclay doesn't allow it either. i went to pay the exact amount of my posting and pending transactions and i couldn't.
will these places reject checks too? or is it just online? because there are many many moments, although not so much any more, where I use Amex Serve to send payments... I know at first they send checks, and its kind of wired later on.....

Yes, all of these are just online edits, any ACH payment gets accepted without apparent issue (I guess if they don't like they might decrease your internal score but who knows). And I assume if you mailed a check (if you remember what that means!) it would be the same.

So some IT effort to block overrpayment on just this channel....

Re: Citi does not allow overpayment rant

TRC_WA — Fri, 07 Aug 2015 19:55:37 GMT

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...

Re: Citi does not allow overpayment rant

Anonymous — Fri, 07 Aug 2015 19:55:53 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
barclay doesn't allow it either. i went to pay the exact amount of my posting and pending transactions and i couldn't.
will these places reject checks too? or is it just online? because there are many many moments, although not so much any more, where I use Amex Serve to send payments... I know at first they send checks, and its kind of wired later on.....
Yes, all of these are just online edits, any ACH payment gets accepted without apparent issue (I guess if they don't like they might decrease your internal score but who knows). And I assume if you mailed a check (if you remember what that means!) it would be the same.

So some IT effort to block overrpayment on just this channel....

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

Re: Citi does not allow overpayment rant

Anonymous — Fri, 07 Aug 2015 19:57:21 GMT

@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...

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!

Re: Citi does not allow overpayment rant

Anonymous — Fri, 07 Aug 2015 20:00:32 GMT

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!

Re: Citi does not allow overpayment rant

axlm — Fri, 07 Aug 2015 20:02:22 GMT

@Anonymous wrote:
....
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

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.

Re: Citi does not allow overpayment rant

Anonymous — Wed, 26 Aug 2015 08:46:47 GMT

Just ACH push from your bank billpay.

Re: Citi does not allow overpayment rant

alkaline — Wed, 26 Aug 2015 14:16:32 GMT

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.

Re: Citi does not allow overpayment rant

Anonymous — Wed, 26 Aug 2015 15:16:13 GMT

@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.

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

Re: Citi does not allow overpayment rant

Anonymous — Wed, 26 Aug 2015 15:21:41 GMT

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

Re: Citi does not allow overpayment rant

Anonymous — Thu, 27 Aug 2015 00:20:07 GMT

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

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

Re: Citi does not allow overpayment rant

Anonymous — Thu, 27 Aug 2015 00:39:51 GMT

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

Re: Citi does not allow overpayment rant

Anonymous — Thu, 27 Aug 2015 00:44:15 GMT

@Anonymous wrote:
@Anonymous wrote:
all i care to do is balance plus pending. i hate that barclay and discover won't let you
As has been mentioned serveral times in this thread, you can push payments with your bank's bill pay system.

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.