How can I freeze my Citi Premier Card?

To freeze a Citibank credit card, log in to your online account or the Citibank mobile app and navigate to “Citi Quick Lock.” You can also call Citibank customer service at 1 (800) 950-5114 and ask them to freeze your card, though it is much easier to lock and unlock a credit card online.... read full answer

Freezing your Citibank credit card will temporarily prevent most purchases from being made with your card number, which can be convenient if you lost your credit card or if you’re trying to control your spending. For lost cards, it’s also important to note that you’ll never be held responsible for unauthorized purchases thanks to a $0 fraud liability guarantee.

How to Freeze a Citibank Credit Card Online

1. Log in to your Citibank online account or mobile app.
2. Pick the card you want to freeze and select "Lock Card" under the card name.
3. Change the settings so that your card is in the locked position.

Locking your Citibank credit card will stop new purchases and cash advances. But it will continue to allow recurring transactions, balance transfers, payments, credits, returns, dispute adjustments, fees, and rewards redemptions. To start using your credit card at full capacity again, just navigate back to the Citi Quick Lock page and unlock your card.

The easiest way you can cancel your Citi Credit Card is online, either through the Citibank website or the mobile app, or by calling customer service at (800) 950-5114. Alternatively, you can cancel your credit card in person at a Citibank branch or via mail.

How to Cancel Your Citi Credit Card... read full answer

• Online: You can cancel your Citi credit card online, by logging into the Citibank website or the mobile app. By clicking on the “Contact Us” link, you can initiate a live chat with a customer service representative and ask them to cancel you card.
• Phone: To cancel your card over the phone, call customer service at (800) 950-5114 and enter your account number and Social Security number to verify your identity. Then, follow the prompts to speak to a customer service representative, and let them know you want to cancel. The bank’s representative will likely try to convince you to keep your credit card open but you can simply decline the offer and proceed with canceling the account.
• At a branch: You can also request to cancel your Citi credit card by visiting your nearest Citibank branch.
• Mail: If you prefer to send your request via mail, the address is:
  Citibank Customer Service
  P.O. Box 6500
  Sioux Falls, SD 57117

It's also good to note that canceling any credit card will likely lower your credit score. You can get an idea of how much a canceled credit card will affect your credit score by using WalletHub’s free credit score simulator.

Yes, Citibank does refund annual fees, as long as cardholders cancel their account within 37 days of when the fee is assessed. It’s sometimes possible to get a Citibank annual fee refunded or waived due to financial hardship or active military status, too. Otherwise, if you try to get a refund on your annual fee after 37 days, Citibank may be able to offer you a prorated refund, though you won’t get the whole fee back.... read full answer

How to Get a Citibank Annual Fee Refund

1. Call credit card customer service at 1-800-950-5114 within 37 days of the fee being charged.
2. Ask the representative to cancel your account.
3. Request a refund for the annual fee.
4. Receive the refunded fee as a credit or check.

If you decide to cancel your Citibank card in order to get an annual fee refund, just make sure you’ve redeemed any credit card rewards and paid your balance in full before you cancel. And if you want to see how this move might affect your credit score, try WalletHub’s free credit score simulator.