How do you get a Citi Secured credit card PIN?

You will get a PIN for your Citi credit card once you are approved. When you receive and activate your new Citi card, you will receive a PIN by mail in about 7 to 14 business days. If you can’t remember your current PIN or simply want to change it, either ... read full answerlog in to your online account or call customer service at (800) 950-5114.

What you should know about your Citi credit card PIN:

• You will receive a letter in the mail after approval, which will include your four-digit PIN, or Personal Identification Number.
• With a PIN, you can use your Citi credit card to withdraw cash from any ATM 24 hours a day. You may also need it if you’re using a “Chip” card that requires a PIN (rather than a signature) in order to complete a transaction.
• Your PIN is secure, and no one else can access it, as long as you keep the number in a secure place. You should never write your PIN on your Citi card.
• With your mailing, you’ll have the option to customize your PIN to a number that may be easier for you to remember. To do so, call the number included in your mailing, and be sure to have your current PIN handy.
• You should also call from the phone number associated with your account. Just follow the voice prompts, key in a new four-digit PIN and confirm the transaction.

If you think your PIN has been compromised, you have the ability to change it. You can make the request to change or even cancel a PIN either online or by phone.

Here’s how you can change or cancel a PIN for your Citi credit card:

1. Log in to your Citi Online account. Under Services, select Credit Card Services.
2. Under the Card Management menu, click Request/Cancel Credit Card PIN. You will be given three options:
   Change an existing PIN. You will need to call (800) 950-5114 and follow the prompts to change the PIN.
   Send me a new pre-assigned PIN. A new PIN will be sent to your billing address, usually within 7 to 14 business days.
   Please cancel my PIN and do not replace it. Your PIN will be de-activated and will no longer be valid. To restore a PIN in the future, you will have to repeat this process.
3. Click Submit to confirm the change.

Withdrawing cash with a credit card is known as a cash advance. This type of transactions are expensive and should be avoided, unless it’s absolutely necessary. Citi charges a 5% (min $10) cash advance fee on all cash advances, and that’s on top of any fees you may incur from the bank or ATM where you withdrew the cash.

In addition, cash advances are charged a separate and higher interest rate than the regular APR. Interest accrues on a cash advance the day the transaction occurs. Grace periods do not apply to cash advances, which means you’ll have to pay the cash advance balance, and any interest in order to avoid another round of interest charges on top of the balance the following month.

To do a Citibank cash advance, you can either withdraw funds from an ATM or visit a local Citibank branch and ask the teller for a cash advance. For ATM transactions, you will need to request a 4-digit PIN from Citi customer service if you did not receive one after being approved for an account.... read full answer

It’s also worth noting that a Citibank credit card cash advance limit is different for everyone. You can view that information on your statement, online or by calling the number you see on the back of your card.

Here’s why you should avoid Citibank cash advances:

Cash advances are expensive, so it’s best to avoid them whenever possible. That’s true with all credit card companies, and Citibank is no exception. Citi’s cash advance fee is 5% (min $10). There may be additional bank fees if you withdraw cash from an ATM. There’s also a separate APR for cash advances. It’s typically higher than the card’s regular APR.

The Citibank cash advance APR can be as high as 29.74% (V), depending on the card and your creditworthiness. Cash advances accumulate daily interest from the time you make the transaction, with no grace period. New interest is added on top of any existing interest charges each day.

So, it’s best to pay off your Citibank cash advance as soon as you can, or better yet, just stay away from cash advances altogether.

The easiest way you can pay your Citibank credit card bill is either online or through the Citi mobile app. Alternatively, you can make a payment over the phone at (800) 950-5114, by mail or at a Citibank ATM. Citibank allows cardholders to set up automatic payments, too.

How to Make a Citibank Credit Card Payment... read full answer

• Online: Log in to your online account and click on “Make a Payment”. Then, choose how much to pay, when to pay it, and where the payment is coming from. After that, confirm your choices and submit your payment.
• Through the mobile app: Download the app for Android or iOS. Then, log in to your account and select your card. After that, tap “Make a Payment” and follow the on-screen instructions to complete the process.
• Overt the phone: Call (800) 950-5114 or the number on the back of the card and enter your card information when prompted. Then, follow the automated prompts to make a payment.
• By mail: Send a check or money order (but not cash) to:
  
  P.O. BOX 9001037
  Louisville, KY- 40290-1037
  
  Overnight Delivery / Express Payments
  
  Citibank Express Payments
  6716 Grade Lane
  Building 9, Suite 910
  Louisville, KY 40213
• At a Citibank ATM: You can make a payment at a Citibank ATM. Citibank ATMs will accept cash payments up to $3,000 per credit card account per calendar month.

You should note that paying your credit card bill by regular mail takes the longest. Make sure to send it at least 7 days before the due date, so that it won’t be late. Write your name and credit card number on the check, too.