Citi Cards P.O. Box 9001037 Louisville, KY 40290-1037
When paying Citi® Secured Mastercard® bills by mail, be sure to submit either a check or money order for the payment amount. Citibank does not accept cash.
Tips For Mailing Citi® Secured Mastercard® Credit Card Payments
Include your credit card number on your payment to avoid any processing delays.
Allow enough time for Citibank to receive your payment on or before the due date, or it will be considered late.
Send your payment via overnight mail, if necessary. The Citibank overnight payment address is:
Attn: Citibank Express Payments 6716 Grade Lane Building 9, Suite 910 Louisville, KY 40213
Credit card payments by mail take the longest to process of all the available payment methods. Alternatively, you can submit a payment from your online account, through the Citibank mobile app, or by calling customer service at 1 (800) 950-5114. Citibank also allows in-person payments at local Citibank branches.
Credit card autopay allows cardholders to set up recurring, automatic payments for their credit card accounts. You can use this function to make recurring payments on a specific day each month, such as your credit card’s monthly due date. You can also pick the amount you’d like to autopay. Most card issuers give options to automatically pay the … read full answerminimum amount due, full statement balance, or a custom amount.
You’ll typically be able to set up your credit card autopay feature wherever you make online credit card payments. Simply log in with your credentials, navigate to the payment section, and look for “autopay” or “set up automatic payments.” If your card issuer has a mobile app, you should be able to set up automatic payments on the app, as well. Payments made with autopay will be funded from whichever payment account you have entered to pay the credit card. Usually, your bank account and routing numbers will be required to make an automatic payment.
All major credit card companies have credit card autopay options. Automatic payments make it easy to never miss a due date, which means avoiding costly late fees. If you choose to pay your full statement balance automatically, you’ll avoid interest charges on purchases, too – as long as you have enough money in the account you’re paying the bill from.
On that note, not having enough money to complete a scheduled automatic payment leads to one of the potential downsides of using credit card autopay: penalty fees. If your account doesn’t have enough money to fund the automatic payment, you will either overdraft your bank account or miss a credit card payment – both of which could result in high penalty fees. Even if your credit card doesn’t charge late fees, you’ll end up having to pay finance charges on the amount past due. To avoid this, make sure you have enough money in the payment account to fund your payment every month.
Another downside to credit card autopay is that you might forget to review your monthly statement. If your automatic payment goes through before you review your statement, you could unknowingly pay for a fraudulent charge or an error. But you can overcome this downside by making a habit out of reviewing your recent transactions. All major credit cards offer $0 liability guarantees for unauthorized purchases, anyway. You just have to point out any suspicious charges the credit card company doesn’t flag on its own within a reasonable amount of time.
It is possible to pay a credit card with a credit card by doing a balance transfer or a cash advance, for example, but you cannot make a credit card the regular payment method for another credit card account. Accepted payment methods for monthly credit card bills generally include bank transfers, checks, and money orders.… read full answer
You cannot consistently pay a credit card’s bill with another credit card for several reasons. For one thing, credit card companies won’t let you. Credit card transactions are also more expensive to process than bank transfers, which means accepting credit card payments would eat into credit card companies’ profit margins. Besides, if you could pay credit card bills with credit cards, it could be possible to keep shifting debt around without ever actually paying it. But with some maneuvering, there are ways to make a one-off transaction work.
4 ways you can pay a credit card with another credit card:
Do a balance transfer: If you’re unable to pay your credit card bill in full and are paying a high interest rate, you may want to consider a balance transfer. This allows you to transfer your credit card balance to a different card with better financing terms (perhaps an introductory period with a 0% APR for a set number of months). That way, you can pay off your credit card bill over time without worrying about as much interest being applied. This does amount to paying your credit card bill with a credit card, but it’s more of a one-off way to save money on interest than a viable recurring option.
Use a mobile payment service: One way to pay a credit card with another credit card is to use a mobile payment app such as PayPal or Venmo as a middleman. These apps allow you to transfer money from user to user, and you can fund them with a credit card. In other words, you could use your credit card to pay a friend or family member through the app, and they can then make your credit card payment for you or give you the money to do it yourself. You can earn rewards with this method, but there may be fees to contend with. In addition, be aware that some person-to-person credit card transactions on Venmo will show up as cash advances on Mastercard and Visa credit cards, which typically come with high fees and APRs.
Purchase a money order: Companies like MoneyGram and Western Union allow you to send money to a particular phone number or email address, or pick up cash from a physical location, and fund the transaction with a credit card. However, this is usually treated as a cash advance, which means expensive fees and interest charges would apply, in addition to the fees charged by the service.
Do a cash advance: You could take out a cash advance at an ATM, deposit the money into your checking account, and then pay your credit card bill from there. However, considering the high fees and interest rates that accompany cash advances, not to mention the low limits on such transactions, that’s unlikely to work very well. It would be a very expensive way to pay one credit card bill, let alone recurring bills over time. The same generally goes for the various other ways you can transfer money from a credit card to a bank account, too.
Despite the availability of these options, the best way to pay your credit card bills still is to set up automatic deposits from a checking or savings account. As long as you have enough money in your bank account, you won’t miss any payments.
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