Chip Lupo, Credit Card Writer
@CLoop
To do a balance transfer with the Citi Custom Cash card, new applicants can just complete the balance transfer portion of the Citi Custom Cash application. Existing cardholders can request a balance transfer online or by calling customer service at (800) 950-5114.
Citi Custom Cash balance transfers usually take 14 days to process. In the meantime, continue to make payments on your original debt to avoid any late fees and possible damage to your credit score.
How to Do a Balance Transfer with Citi Custom Cash (New Applicants)
- Open the Citi Custom Cash application.
- Enter the account number for your existing balance.
- Enter the amount you want to transfer.
- Include standard application info such as your name, Social Security number, and annual income.
- Submit the application.
How to Do a Balance Transfer with Citi Custom Cash (Existing Cardholders)
- Log in to your Citi Custom Cash account.
- Select “View Offer” next to “You’re eligible for a balance transfer.”
- Click “I want this offer," then "Start your transfer.”
- Enter the account number(s) and the amount(s) you’d like to transfer.
- Verify your information is correct and submit the application.
Key Things to Know About a Citi Custom Cash Balance Transfer
The Citi Custom Cash card only accepts balance transfers from other credit cards. The Citi Custom Cash card does not allow balance transfers from other Citibank credit accounts.
If you’re transferring a balance to a credit card with an introductory APR on balance transfers, try to pay off the balance before the introductory rate expires. Any balance remaining after that will accumulate interest daily at the card’s regular APR. Using a balance transfer calculator can be a big help.
Finally, there is a 5% (min $5) fee on Citi Custom Cash balance transfers. Make sure to take this into account, too.
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