I also use Autopay for my one credit card. I am paperless so as soon as I receive the email bill I schedule a payment for the Due Date (or the Friday before a weekend).
My company offers 3 options for the amount:
I always choose Statement Balance. Why send more than I have to?
The webpage doesn’t have the option of letting you enter an amount of your choice?
I think all of mine credit cards have the option of entering an amount of my choice, but not for more than the statement amount (or the statement amount plus any settled transactions). They do not allow paying more than what you have charged. They don’t like you having a negative balance since they will have to refund it to you if for some reason you don’t charge enough to use up the credit.
Say that my last statement was for $1,000, which is the amount on the bill. And assume that I have a charge of $200 that I made after the statement date that has posted under my account, plus another charge of $500 that I made after the statement date but is listed as a pending charge online.
If I wanted to pay it off in full, I could pay $1,000. I could also pay $1,200. But I could not pay $1,700, since the latest $500 charge is pending and not actually charged to my account.
Huh, I never noticed that when I go there, and I always use my Citi card to pay for airline tickets. Maybe it depends on which Citi card you have.
But I have noticed that they don’t actually ask where you’re traveling anymore, only when.
That’s the problem I’m having with Hilton’s website right now. A few weeks ago I stayed at one of their hotels, and since they only let you use the wifi for free if you’re a Hilton Honors member I bit the bullet and signed up. So they sent me an email with a link to create a password for my newly created account. Every time I try to create a password I get “Something went wrong and your information was not submitted. Try again later.” I’ve tried it in Firefox. I’ve tried it in Edge. I’ve tried it on my work computer. I’ve tried it on my phone. Same message every time.
My current theory is that the first time I tried it, in Firefox on my home computer, my ad blocker screwed it up. Then on every subsequent attempt it’s going “Hey, this link has already been used!” But it refuses to tell me that and just keeps telling me “Something went wrong…”
Yeah, I know, I took the Security+ exam and I know giving too much information in an error message is a bad thing. But it’s annoying as hell from this side.
Yes it does have an option to enter an amount.
However, that amount changes every month depending on how much I use the card - I don’t know how much to effectively enter as an auto pay.
Some months it might be 1000 dollars and some months it might be 400 dollars so it’s hard to pick an auto pay amount. I’d have to change it every month so I might as well go in and just pay the exact current amount instead of using the auto pay.
There might come a time when I might set something up but for now my system works well.
And don’t spend it all in one place!
So last night I still could not get the Citi app on my phone to work, even after clearing the catch and doing a force stop on the app. So I uninstalled the app (which showed no update avaialbe in the App store), restarted my phone and then reinstalled the app. It then started letting me pay my outstanding balance through the app.
I did just recently change phones, so maybe that had something to do with my specific issues.
I too just changed phones. Had to do a rigmarole to get the Citi app using my fingerprints again, which is still acting fussy compared to my old phone, but otherwise no issues.
That reminds me of a problem I had calling Citi customer service. Every time I called, I’d go through the menus but it kept saying it couldn’t verify my info. I tried using my account number, SS number, and debit number, but nothing worked. And because it wouldn’t verify my info, it would not let me through to customer service. It kept saying to try again later and hanging up on me. It turned out that if I was calling from a number not associated with my account, it would not verify my account info. I got so frustrated while calling over and over that I decided to move my account to another bank. I didn’t want to have to deal with that kind of hassle if I ever had an urgent problem.
I had a similar experience. I opened up a savings account at Citi several years ago when their rate was among the highest. Because it was only savings, I declined getting a debit card. Recently I was wanting to withdraw most of my money, but I couldn’t get past the verification screen where I was supposed to enter my debit card number. I finally had to call customer service, and the only recourse my rep found was to mail me a debit card so I could do what I wanted to do.
I no longer have that account. I still have a Citi credit card, but not that savings account.
I didn’t even realize that was a thing. Thanks to you, I’ve set up an auto pay for my monthly statement balance. Thanks for the tip!
StG
I’m glad to help.