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Citi does not allow overpayment rant

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Anonymous
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Citi does not allow overpayment rant

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.

Message 1 of 22
21 REPLIES 21
Anonymous
Not applicable

Re: Citi does not allow overpayment rant

barclay doesn't allow it either. i went to pay the exact amount of my posting and pending transactions and i couldn't.
Message 2 of 22
axlm
Regular Contributor

Re: Citi does not allow overpayment rant

push the payment from your checking account?


Last update: NOV 2022

Message 3 of 22
Anonymous
Not applicable

Re: Citi does not allow overpayment rant


@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.....

Message 4 of 22
PrimeRate
Frequent Contributor

Re: Citi does not allow overpayment rant

Push a payment from your banks Billpay. Wala! 

☮ & ❤
Message 5 of 22
PrimeRate
Frequent Contributor

Re: Citi does not allow overpayment rant


@axlm wrote:

push the payment from your checking account?


Beat me! Smiley Tongue

☮ & ❤
Message 6 of 22
axlm
Regular Contributor

Re: Citi does not allow overpayment rant


@PrimeRate wrote:

@axlm wrote:

push the payment from your checking account?


Beat me! Smiley Tongue


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


Last update: NOV 2022

Message 7 of 22
Anonymous
Not applicable

Re: Citi does not allow overpayment rant


@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....

Message 8 of 22
TRC_WA
Senior Contributor

Re: Citi does not allow overpayment rant

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...

 

 

FICO8 current as of : 4-6-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24
Message 9 of 22
Anonymous
Not applicable

Re: Citi does not allow overpayment rant


@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

Message 10 of 22
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