any way to make first payment on citi card before statement?

[Anonymous]

So apparently citi has a rule that you cannot pay more than the statement balance. However, this is my first cycle (just got the card) so the last statement balance was $0 by default. I charged about 3k on a total 6.5k CL and didn't want to let that entire amount report. But it won't let me put a payment through! Grrr... 

Any ideas? I tried pushing a payment from my bank but that would apparently take 5 business days and get to citi after statement date. Any other possibilities? Otherwise I guess I can swallow 40% util on my first statement cycle. 

[red259]

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@Anonymous wrote:

So apparently citi has a rule that you cannot pay more than the statement balance. However, this is my first cycle (just got the card) so the last statement balance was $0 by default. I charged about 3k on a total 6.5k CL and didn't want to let that entire amount report. But it won't let me put a payment through! Grrr... 

Any ideas? I tried pushing a payment from my bank but that would apparently take 5 business days and get to citi after statement date. Any other possibilities? Otherwise I guess I can swallow 40% util on my first statement cycle. 

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No. The only way to do it is the push payment from the bank as far as I know. Unless your apping I wouldn't lose any sleep over it, just pay it when it cuts. 

[Anonymous]

Call. I tried to make a payment and it would not let me either so I called the automated system and since I had already set up my banking information, I was able to make my payment over the phone. 

[NRB525]

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@red259 wrote:

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@Anonymous wrote:

So apparently citi has a rule that you cannot pay more than the statement balance. However, this is my first cycle (just got the card) so the last statement balance was $0 by default. I charged about 3k on a total 6.5k CL and didn't want to let that entire amount report. But it won't let me put a payment through! Grrr... 

Any ideas? I tried pushing a payment from my bank but that would apparently take 5 business days and get to citi after statement date. Any other possibilities? Otherwise I guess I can swallow 40% util on my first statement cycle. 

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No. The only way to do it is the push payment from the bank as far as I know. Unless your apping I wouldn't lose any sleep over it, just pay it when it cuts. 

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+1

[Anonymous]

I worried about the same thing when I first opened my Double Cash card dude. Realized that it was all good and all I needed to do was chill until the statement cut.

[TRC_WA]

FICO doesn't remember UTI month to month.

Any points lost you'll get back when you pay the balance down.

[Anonymous]

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@TRC_WA wrote:

FICO doesn't remember UTI month to month.

Any points lost you'll get back when you pay the balance down.

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I wasn't really worried about Fico. I was worried a little that some of my conservative lenders (US Bank and PenFed mostly) will freak out that I am opening new accounts and running up the balance and start messing with me. 

[Anonymous]

Yes, I was able to pay a csr by phone before statement cut 

[TRC_WA]

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@Anonymous wrote:

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@TRC_WA wrote:

FICO doesn't remember UTI month to month.

Any points lost you'll get back when you pay the balance down.

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I wasn't really worried about Fico. I was worried a little that some of my conservative lenders (US Bank and PenFed mostly) will freak out that I am opening new accounts and running up the balance and start messing with me. 

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A common paranoia caused by the myFICO forum community...  

[Closingracer99]

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@TRC_WA wrote:

FICO doesn't remember UTI month to month.

Any points lost you'll get back when you pay the balance down.

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Not always true ....I showed an almost maxed out card which was my only card becsuse I bought something right before statement was cut and knocked down my TU score down 50 points which took about 6-7 months to get back to where it was