quick tip: if you are sick of entering last 4 of your card number and then 0 for customer service you can save a phone number in the format below and you won't have to wait and type this. replace 1234 by the last four of your card.

8887662484,,,,,,,,1234,,0

The fastest I've ever done a citi debit payment is 2:35 seconds.. I usually do it when I'm driving around for MS and don't mind the time spent at all