FYI on Citi Payments Policy

[lhcole77]

Tried to overpay balance last night so that statement would cut with $0. Had a $105 pending payment and a $8.50 pending charge.

Got this message. Not sure if this is new or not. Hadn't tried to overpay like this before. Just an FYI.

[FinStar]

Is this your first statement cycle?

[rlx01]

This has been the case for a while.

[SunriseEarth]

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@lhcole77 wrote:

Tried to overpay balance last night so that statement would cut with $0. Had a $105 pending payment and a $8.50 pending charge.

Got this message. Not sure if this is new or not. Hadn't tried to overpay like this before. Just an FYI.

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That sounds typical.   As for me, I'm only allowed to pay the amount of the statement balance at Citi.   Arg.   

[FinStar]

In the event I run into a similar situation for a zero payout (without the balance float), I PIF through Citi and push a payment through my bank for the remaining pending charges.  

[DrZoidberg]

Why would you want to report zero? For optimal scoring you need to report at least 1-2%of your limit minimum.

[Imperfectfuture]

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@DrZoidberg wrote:

Why would you want to report zero? For optimal scoring you need to report at least 1-2%of your limit minimum.

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If reporting on several cards, I (and he) PROBABLY want one card reporting.  Unfortunately, I lose out on rewards near cut off date, because I stop purchasing.  Hence, the value of more than one reward card (my goal, I'm spoiled with cash back because of grandfathered 1.5% on PayPal debit card for years).

[lhcole77]

This is my first statement cycle. Already have some cards reporting a balance. Didn't want this one to report yet.

Testing effects on scores in general, though I'm not concerned about optimal at the moment due to being in the garden until late 2015.

[lhcole77]

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@FinStar wrote:

In the event I run into a similar situation for a zero payout (without the balance float), I PIF through Citi and push a payment through my bank for the remaining pending charges.  

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You. Is. Smart!

Thanks for that input.

[rlx01]

No need to push payment.

You can pay Citi cards with a debit card over the phone.

Best Citi feature.