Chip Lupo, Credit Card Writer
@CLoop
Yes, you can use your Citibank credit card before it arrives because Citibank gives eligible cardmembers access to their credit card number as soon as they get approved. You can start using your Citibank credit card immediately after approval by adding the card details to a digital wallet. To receive access to your Citibank credit card information, you must apply online (via desktop or mobile device).
How to Use a Citibank Credit Card Before It Arrives
- Apply for your Citibank credit card online (via desktop or mobile device) and wait for a response. Citibank will usually let you know if you were approved within minutes.
- Get your 16-digit Citibank credit card number.
- Add your new Citibank credit card information to a digital wallet, such as Apple Pay, Google Pay and Samsung Pay.
- Use the Citibank credit card to pay for purchases through the digital wallet.
The physical credit card that Citibank will send you should arrive within 7 to 10 business days.
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What is a Citibank credit balance refund?
A Citibank credit balance refund is a reimbursement for paying more than the total balance owed on a Citibank credit card. For example, a cardholder who has a balance of $500 but pays $600 can get a credit balance refund of the $100 that they overpaid.
Cardholders can request a Citibank credit balance refund by phone 1-800-950-5114 or by sending a written request to:
Citibank Customer Service
P.O. Box 6500
Sioux Falls, SD 57117
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The Citibank concierge is a free benefit that gives on-demand personal assistance to cardholders. Five Citibank credit cards have this concierge benefit, which eligible cardholders can access by calling 1 (800) 508-8930. Contacting the concierge is free, but the cardholder is responsible for any purchases they authorize the concierge to make.
Citibank credit cards with the concierge benefit include: Citi Strata Premier® Card, Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, Citi® / AAdvantage Business™ World Elite Mastercard®, Citi® / AAdvantage® Executive World Elite Mastercard®, and American Airlines AAdvantage® MileUp®.
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There’s no Citibank authorized user bonus at the moment. That’s not unusual, as it is relatively rare for credit card companies to provide this perk.
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