@EAJuggalo wrote:Had my DC declined today for a haircut. Get on the app and it tells me I have a $21 balance and $1.99 in available credit. Call in and get transferred from frontline somewhere else. They tell me they decided to put a 10 day hold on the payment I made yesterday morning even though at the time it listed the funds as available credit. I was told this is policy anytime someone makes multiple payments in a billing cycle. They had nothing to say to me when I told them I made multiple payments every billing cycle and have since they turned my card back on in March. (I have a whole other thread on the 6 week ordeal with Citi to get them to turn it back on.) Anybody have any similar issues either with Citi or another bank? One of the things they told me was that lots of banks are doing something similar. Here is the really interesting part, they told me they would free up the credit if they could talk to my bank and verify that the funds were taken out of my account.
I actually did this with Discover, and I've never had an issue with a payment posting immediately since then. (I have a tiny $200 secured limit I max out and pay down at least twice a month,.)
@Anonymous wrote:
@IncrsCreditScore wrote:If I knew of another 2% card I could qualify for, I would apply for it.
Blispay offers 2% cash back on their card.
+1
I've never had any issues with Citi always a pleasure doing business with them. 
Sorry for your troubles OP. Why don't you do the obvious and use your other CC's? Spread that spend across other accounts.
If you have other usable CC's, there's no reason to pay banks like Citi so often. They give you a built in float. Use it to your advantage.
I auto pay them all once a month. I have some that get paid several times a month, but it's not from my bank account. My AUs pay them from theirs.
IME the banks aren't going to look at you any differently from a person that pays once a month, when considering CLIs. As long as they get their money at least once a month, they don't give a crap.
Unless you have only one CC available to use and the limit forces you. There's really no other good reason to do this. Apparently the banks don't like it.
I've seen this topic come up here before. For the life of me, I don't understand why folks believe these banks want to process all those micro-payments so frequently in a one month period.
It could be time to grab another card from a different lender if possible, in order not to pay one of them so often.
Sooner or later Citi's going to open up and give you what that card needs. Try to use it like the average consumer, so not to throw up any red flags.
If you have other usable CC's, there's no reason to pay banks like Citi so often. They give you a built in float. Use it to your advantage.
I auto pay them all once a month. I have some that get paid several times a month, but it's not from my bank account. My AUs pay them from theirs.
IME the banks aren't going to look at you any differently from a person that pays once a month, when considering CLIs. As long as they get their money at least once a month, they don't give a crap.
Unless you have only one CC available to use and the limit forces you. There's really no other good reason to do this. Apparently the banks don't like it.
I've seen this topic come up here before. For the life of me, I don't understand why folks believe these banks want to process all those micro-payments so frequently in a one month period.
It could be time to grab another card from a different lender if possible, in order not to pay one of them so often.
Sooner or later Citi's going to open up and give you what that card needs. Try to use it like the average consumer, so not to throw up any red flags.
