Mar 23, 2014, 7:05 pm
Last edit by: ffly45
Read the wiki carefully before posting. Wiki may be out of date.
800-950-5114. Non-US agents are, as of at least August 15, 2015, able to do debit card payments. If they resist, ask for a US agent.
Please do not report that debit payments do not work over the phone, they do! Hang up and call again (HUCA) until you get someone capable.
The same thing can be done in a Citi branch, but you do not swipe the debit card or enter any PIN, so it seems likely that the same cards do/don't work in branch as over the phone.
The name on the debit card must match the name on the account. You can be an authorized card holder (they'll ask the name of the primary). You can also pay off Citi Business credit cards (only attempted as primary cardholder). Limit of one payment per debit card per account per day.
Debit cards that work for paying Citi cards over the phone.
All Mastercard & Visa debit cards attached to regular checking accounts:
Green Dot (permanent card)
H&R Block Emerald
JH Preferred
M1 Plus (no cb)
MVD (shutdowns have been reported)
Paypal Business Debit Mastercard (no 1% cb)
Pennywise Power "payday rewards" Visa cards (Bancorp, MB financial Bank N.A)
Simple Card - see post #347
Swagbucks virtual visa (issued by Prepaid Digital Solutions)
Swagbucks virtual mastercard (issued by MyPrepaidCenter)
Topcashback virtual visa (issued by Bancorp)
T-Mobile (temp and perm, shutdowns have been reported)
Wells Fargo
Debit cards that DO NOT work for paying Citi cards over the phone.
American Express Gift Card
American Express for Target
Bluebird
Serve
Chase Starbucks Prepaid (post)
Curve Commercial Debit
Google Wallet
Green Dot (temporary card registered with zip and pin)
MetaBank Visa/MC
US Bank/USB GC
Paypower (temporary card registered with zip and pin) - post 283
Sunrise Bank Visa
US Bank Mastercard/Visa prepaid
US Bank Visa Buxx
TD Go Card
Vanilla Visa/Mastercard (issued by Bancorp) (incl. OneVanilla, Vanilla Debit)
800-950-5114. Non-US agents are, as of at least August 15, 2015, able to do debit card payments. If they resist, ask for a US agent.
Please do not report that debit payments do not work over the phone, they do! Hang up and call again (HUCA) until you get someone capable.
The same thing can be done in a Citi branch, but you do not swipe the debit card or enter any PIN, so it seems likely that the same cards do/don't work in branch as over the phone.
The name on the debit card must match the name on the account. You can be an authorized card holder (they'll ask the name of the primary). You can also pay off Citi Business credit cards (only attempted as primary cardholder). Limit of one payment per debit card per account per day.
Debit cards that work for paying Citi cards over the phone.
All Mastercard & Visa debit cards attached to regular checking accounts:
- Alaska - some have not gotten miles;
- SunTrust - no miles;
- UFB Direct - $2000 daily limit - no miles.
Green Dot (permanent card)
H&R Block Emerald
JH Preferred
M1 Plus (no cb)
MVD (shutdowns have been reported)
Paypal Business Debit Mastercard (no 1% cb)
Pennywise Power "payday rewards" Visa cards (Bancorp, MB financial Bank N.A)
Simple Card - see post #347
Swagbucks virtual visa (issued by Prepaid Digital Solutions)
Swagbucks virtual mastercard (issued by MyPrepaidCenter)
Topcashback virtual visa (issued by Bancorp)
T-Mobile (temp and perm, shutdowns have been reported)
Wells Fargo
Debit cards that DO NOT work for paying Citi cards over the phone.
American Express Gift Card
American Express for Target
Bluebird
Serve
Chase Starbucks Prepaid (post)
Curve Commercial Debit
Google Wallet
Green Dot (temporary card registered with zip and pin)
MetaBank Visa/MC
US Bank/USB GC
Paypower (temporary card registered with zip and pin) - post 283
Sunrise Bank Visa
US Bank Mastercard/Visa prepaid
US Bank Visa Buxx
TD Go Card
Vanilla Visa/Mastercard (issued by Bancorp) (incl. OneVanilla, Vanilla Debit)
Paying Citi cards with debit cards including prepaid debit cards
Feb 11, 2014, 2:41 pm
#61
Join Date: Dec 2012
Location: JFK
Programs: *$ Gold :)
Posts: 1,061
Datapoint: Used MVD for a $2500 payment. Very straight forward. Just wanted to know if name on card was my name. No request for address.
MVD statement shows this as a PIN transaction (even though no PIN was requested), and therefore, a $0.50 charge.
I would suggest that if we want to keep this going, DO NOT make $500 payments from gift cards.
Tomorrow will try the TD Bank Debit card - though I believe there is a max transaction limit of $2000 - need to double check this.
MVD statement shows this as a PIN transaction (even though no PIN was requested), and therefore, a $0.50 charge.
I would suggest that if we want to keep this going, DO NOT make $500 payments from gift cards.
Tomorrow will try the TD Bank Debit card - though I believe there is a max transaction limit of $2000 - need to double check this.
Feb 11, 2014, 3:32 pm
#62
Join Date: Dec 2013
Posts: 546
Got a few more questions from the CSR on today's call. . .
Yesterday, I used a USBuxx card to pay $450 on a citi dividend. No questions asked, yet the csr did take notice that I was current on my account and next payment wasn't due until next month. I didn't seem to concern her, she just noticed it as odd. I just mentioned I like to make a few payments when I have some money, so the cc debt doesn't pile up over the month. Then, no questions asked and smooth sailing.
Today, I used my second USBuxx to pay $600 on a second citi dividend. The CSR asked for the name printed on the debit card and said it must match my cc account. She also said the address associated with the debit card must be the same address on my cc account. She was not firm, stern or annoyed at all. She was very friendly and the tone was like a "oh, and by the way. . . ". She actually seemed excited to get my payment. Perhaps they spend so much time trying to claw money from deadbeats that it is refreshing when someone calls in volunteering to pay. I did some telemarketing when I was younger and it was one of my worst jobs. I can't imagine how dreadful collections calls must be.
Yesterday, I used a USBuxx card to pay $450 on a citi dividend. No questions asked, yet the csr did take notice that I was current on my account and next payment wasn't due until next month. I didn't seem to concern her, she just noticed it as odd. I just mentioned I like to make a few payments when I have some money, so the cc debt doesn't pile up over the month. Then, no questions asked and smooth sailing.
Today, I used my second USBuxx to pay $600 on a second citi dividend. The CSR asked for the name printed on the debit card and said it must match my cc account. She also said the address associated with the debit card must be the same address on my cc account. She was not firm, stern or annoyed at all. She was very friendly and the tone was like a "oh, and by the way. . . ". She actually seemed excited to get my payment. Perhaps they spend so much time trying to claw money from deadbeats that it is refreshing when someone calls in volunteering to pay. I did some telemarketing when I was younger and it was one of my worst jobs. I can't imagine how dreadful collections calls must be.
Feb 11, 2014, 5:43 pm
#65
Join Date: Sep 2005
Location: New England
Programs: AA Exec Plat, Hyatt Globalist, Jetblue Mosaic (past)
Posts: 298
Data Point. Just paid off my Citi Dividend Card. Needed to be transferred to a specialist but the specialist was happy to pay off my full current balance using my Momentum Visa Debit Card. Payment was under $1,000 but went through without a hitch. Yay!
Feb 11, 2014, 6:30 pm
#66
Join Date: Mar 2013
Location: PHL based
Programs: USAir, UA, AA, BA, Hyatt, HHonors, SPG, Marriott, IHG
Posts: 356
I wouldn't avail of this... no hate for those that do or have, just not my cup of tea, considering (I can only assume) the time it takes to get to the right CSR and then have a bill paid...... maybe via a BUXX or MVD product if it's one call for multiple K, but not worth the effort - again IMO - for a $500 payment...
Feb 12, 2014, 12:44 am
#67
Join Date: Sep 2005
Programs: Northwest, United
Posts: 3,256
Wife just called in to pay down her balance (this was not to generate MS specifically, it's to allow her to meet the spend requirement on a Citi card that came with a ridiculously low credit line, so she has to make a couple payments each month to hit her minimum spend while staying below 100% credit utilization).
As reported upthread, CSR was friendly and easy to deal with. Was not transferred to "collections", the CSR who came online first was able to complete the transaction. CSR initially said she was not used to doing debit card payments and had to remember how to log in to some separate page/system to do that, but was able to do it. Only things asked were:
- is name on debit card same as on CC account
- is address on debit card same as on CC account
- debit card number, expiration date and security code
- how much she wanted to pay
Smooth and easy.
FWIW, I agree with all the posters here urging caution - I would not use this as a shortcut to churn MS since it seems pretty fragile. We will be using this a couple more times for small amounts just to stay under her credit limit. I fear that the lack of restraint so often evidenced here will wreck this quickly. I hope I'll be proved wrong about that.
As reported upthread, CSR was friendly and easy to deal with. Was not transferred to "collections", the CSR who came online first was able to complete the transaction. CSR initially said she was not used to doing debit card payments and had to remember how to log in to some separate page/system to do that, but was able to do it. Only things asked were:
- is name on debit card same as on CC account
- is address on debit card same as on CC account
- debit card number, expiration date and security code
- how much she wanted to pay
Smooth and easy.
FWIW, I agree with all the posters here urging caution - I would not use this as a shortcut to churn MS since it seems pretty fragile. We will be using this a couple more times for small amounts just to stay under her credit limit. I fear that the lack of restraint so often evidenced here will wreck this quickly. I hope I'll be proved wrong about that.
Feb 12, 2014, 11:04 am
#68
Join Date: Jan 2008
Location: LAS
Programs: DL PM, UA PS, Hyatt Globalist, Marriott Titanium
Posts: 4,904
Thanks OP -- will try this with an MVD soon. Someone upthread tried $2500 ... the limit should be $5000 because that's MVD's cap. And there's an $8k/week and $10k/month cap as well.
Feb 12, 2014, 11:42 am
#69
Join Date: Sep 2013
Location: SNA/LAX
Posts: 1,407
Feb 12, 2014, 11:51 am
#70
Join Date: Jun 2006
Location: Manchester,UK and NYC
Programs: One Pass, BAEC, AA
Posts: 708
Datapoint: Used MVD for a $2500 payment. Very straight forward. Just wanted to know if name on card was my name. No request for address.
MVD statement shows this as a PIN transaction (even though no PIN was requested), and therefore, a $0.50 charge.
I would suggest that if we want to keep this going, DO NOT make $500 payments from gift cards.
Tomorrow will try the TD Bank Debit card - though I believe there is a max transaction limit of $2000 - need to double check this.
MVD statement shows this as a PIN transaction (even though no PIN was requested), and therefore, a $0.50 charge.
I would suggest that if we want to keep this going, DO NOT make $500 payments from gift cards.
Tomorrow will try the TD Bank Debit card - though I believe there is a max transaction limit of $2000 - need to double check this.
Used TD Bank Debit card today for $1980 - same as yesterday with the MVD - very straight forward - and reduces your balance (and increases your available credit) immediately.
Feb 12, 2014, 12:00 pm
#71
Join Date: Dec 2012
Location: JFK
Programs: *$ Gold :)
Posts: 1,061
But will hold until my FICO restores
Feb 12, 2014, 12:14 pm
#72
Join Date: Jul 2013
Location: DFW,OVB (Russia)
Programs: AA HH Gold SPG Gold BA
Posts: 1,823
Is it possible that the reason why metabank cards don't work is that, citi systems are unable to auto determine the transaction pin, even though we are not asked for it? The transaction descriptions of most of the successful transactions indicate that the cards were run as pin based debit transactions. Therefore, I wonder if there is a way for CSR to enter a definite correct pin, and whether or not the transaction can then go through?
Just a thought
Also, for the person that asked,
Yes, Bancorp cards do in fact work. a Bancorp card is what I first used when I discovered that this does in fact work with prepaids in the first place
Just a thought
Datapoint: Used MVD for a $2500 payment. Very straight forward. Just wanted to know if name on card was my name. No request for address.
MVD statement shows this as a PIN transaction (even though no PIN was requested), and therefore, a $0.50 charge.
I would suggest that if we want to keep this going, DO NOT make $500 payments from gift cards.
Tomorrow will try the TD Bank Debit card - though I believe there is a max transaction limit of $2000 - need to double check this.
MVD statement shows this as a PIN transaction (even though no PIN was requested), and therefore, a $0.50 charge.
I would suggest that if we want to keep this going, DO NOT make $500 payments from gift cards.
Tomorrow will try the TD Bank Debit card - though I believe there is a max transaction limit of $2000 - need to double check this.
Also, for the person that asked,
Yes, Bancorp cards do in fact work. a Bancorp card is what I first used when I discovered that this does in fact work with prepaids in the first place
Feb 12, 2014, 12:23 pm
#73
Join Date: May 2013
Programs: DL PLT, AS 75k, AA Exec Plat
Posts: 391
I have been doing this for the past two days without any issues. Today though, the collections agent did open with, "I'm not sure why you're being transferred here." I told her I asked to make a debit card payment on my account and was transferred. She then said, "We shouldn't be taking debit card payments for current accounts but let me see if I can help you process it anyway." She was very pleasant and polite and processed my payment very efficiently, but her comments do make me wonder if they're starting to see unusual debit card payment volume and what this means for this method of unloading prepaid debit cards going forward.
Feb 12, 2014, 6:25 pm
#74
Join Date: Jan 2008
Location: LAS
Programs: DL PM, UA PS, Hyatt Globalist, Marriott Titanium
Posts: 4,904
But I would have used MVD if I had known. Oh well.
Feb 12, 2014, 8:28 pm
#75
Join Date: Feb 2006
Programs: HH Gold (again), US/UA/DL non-elite, ZE Presidents Circle, WN reluctant no fee convert.
Posts: 1,449
As reported upthread, CSR was friendly and easy to deal with. Was not transferred to "collections", the CSR who came online first was able to complete the transaction. CSR initially said she was not used to doing debit card payments and had to remember how to log in to some separate page/system to do that, but was able to do it. Only things asked were:
- is name on debit card same as on CC account
- is address on debit card same as on CC account
- debit card number, expiration date and security code
- how much she wanted to pay
Smooth and easy.
FWIW, I agree with all the posters here urging caution - I would not use this as a shortcut to churn MS since it seems pretty fragile. We will be using this a couple more times for small amounts just to stay under her credit limit. I fear that the lack of restraint so often evidenced here will wreck this quickly. I hope I'll be proved wrong about that.
- is name on debit card same as on CC account
- is address on debit card same as on CC account
- debit card number, expiration date and security code
- how much she wanted to pay
Smooth and easy.
FWIW, I agree with all the posters here urging caution - I would not use this as a shortcut to churn MS since it seems pretty fragile. We will be using this a couple more times for small amounts just to stay under her credit limit. I fear that the lack of restraint so often evidenced here will wreck this quickly. I hope I'll be proved wrong about that.
Last edited by jan_believes; Feb 12, 2014 at 8:36 pm