dumb card closing and balance question

[Anonymous]

i have a citi card that closed with annual fee on my statement, which is due 8/1. i just cancelled it right now. a rep told me that i have to pay it down to $0 and then a refund check will be issued to me later. is this right or can i just not pay the amount that's due on the 1st since the card is officiall closed? thanks!

[GApeachy]

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@Anonymous wrote:

i have a citi card that closed with annual fee on my statement, which is due 8/1. i just cancelled it right now. a rep told me that i have to pay it down to $0 and then a refund check will be issued to me later. is this right or can i just not pay the amount that's due on the 1st since the card is officiall closed? thanks!

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No you can not "just not pay the amount that's due on the 1st".....caution: Pay to $0, don't risk a 30 day late.  Afterwards, make sure in the following months nothing sneaks onto your citi bill, like an accidental af fee, any kind of weird charge.  Just go ahead and cover you butt now, you'll get the refund check later.

[AverageJoesCredit]

I would just pay what you owe. Youll get it back. Like stated before, dont risk headache over something that eventually will work out in your favor in a couple weeks.

[UncleB]

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@Anonymous wrote:

i have a citi card that closed with annual fee on my statement, which is due 8/1. i just cancelled it right now. a rep told me that i have to pay it down to $0 and then a refund check will be issued to me later. is this right or can i just not pay the amount that's due on the 1st since the card is officiall closed? thanks!

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I know from past experience Capital One wouldn't require a payment for the annual fee, same for Amex. That Citi would require a fee to be paid on a closed account does seem odd.

If it were me, I would call them again and ask for a supervisor, and go from there.  This should be rather straight-forward, since I'm sure it comes up often.

Just my 2¢.

[Anonymous]

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@UncleB wrote:

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@Anonymous wrote:

i have a citi card that closed with annual fee on my statement, which is due 8/1. i just cancelled it right now. a rep told me that i have to pay it down to $0 and then a refund check will be issued to me later. is this right or can i just not pay the amount that's due on the 1st since the card is officiall closed? thanks!

---

I know from past experience Capital One wouldn't require a payment for the annual fee, same for Amex. That Citi would require a fee to be paid on a closed account does seem odd.

If it were me, I would call them again and ask for a supervisor, and go from there.  This should be rather straight-forward, since I'm sure it comes up often.

Just my 2¢.

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It's not odd, their systems are just archaic.

I did a PC before the anniversary of my account, the AF popped on the next statement, asked about it, paid it, next statement it refunded to cover charges.  Everything is automated and they don't override anything for any reason it just has to follow the system flows they have in place.

[GApeachy]

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@Anonymous wrote:

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I did a PC before the anniversary of my account, the AF popped on the next statement

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This.......  'it happens. 

But what would suck is a 30 day late because a csr told you wrong, or right.  I just would NoT take that risk.  Paper trail, pay it off, screenshot, check back after closes, watch your closed acct., screenshot again.  In Nursing we say, "Document, document, and then document some more" and "CYB".  It's all you can do, so be sure to do all you can do.

[Meanmchine]

You do not get a 30 day late unless you've misseed 2 successive payments, not one

[GApeachy]

right, but u dont want to assume af is taken care of, close acct., skip that pymt..and not look back.

"or can i just not pay the amount that's due on the 1st since the card is officiall closed? thanks!"

[pinkandgrey]

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@AverageJoesCredit wrote:
I would just pay what you owe. Youll get it back. Like stated before, dont risk headache over something that eventually will work out in your favor in a couple weeks.

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This is what I would do too.