Making IDC payments from Citibank (USA) bank account?
I need your help.
I have got a UK-issued IDC and always electronically paid via Citibank NA. I did the same for this time, but obviously the card balance was not cleared after two weeks, so I spoke to Citibank. What I found was that the payment was disbursed by a cheque on this occasion, whilst the Amex account does not take any cheque payment. I tried to figure out why that happened, and asked Citi to cancel the cheque so that I can make a new payment electronically. Citi was helpful and cancelled the payment, then tried to create a new payee with bank transfer, then they identified the issue. Basically Citi no longer pays to the Amex account electronically, due to "probably" recent forgery or some other security breach related the account. So, the payment method for Amex was automatically set to "paper cheque". Does anyone notice this issue? Can I still clear the balance via my account with Citi NA? |
You may always pay via wire transfer. Depending on the amount, you may be able to do that online. Whether there is a fee and what that fee might be will depend on your "status" with Citi and the amount involved.
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This page explains payment options:
https://www.americanexpress.com/icc/help.html
Originally Posted by Dark Blue
(Post 32693380)
.... Citi no longer pays to the Amex account electronically, due to "probably" recent forgery or some other security breach related the account.....
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Originally Posted by mia
(Post 32694049)
This page explains payment options:
https://www.americanexpress.com/icc/help.html Does this mean that Citi is paying ALL American Express accounts by paper check, or is this error state specific to your account? The rep also pointed that the payment method should be always displayed whilst finishing a payment, however, I admitted I did not pay attention to it - I had been paying in the same way for over 10 years! |
How strange. I suggest that you tell him that in future you can only communicate via carrier pigeon, these newfangled things like telephone and internet are not secure enough for you. 🤣🤣🤣
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Originally Posted by Dark Blue
(Post 32694844)
.... When I gave him the ABA code ....
For reference, paper checks are still very common in the USA financial system, including transfers between financial institutions that "know" each other very well. |
Originally Posted by mia
(Post 32694880)
That ABA code is specific to the International Dollar Card, which suggests the problem does not apply to domestic USA-issued accounts. I no longer have an IDC account, but I paid using my bank's online billpay service, and I treated the IDC the same as a USA-issued card and simply entered the card number. I do not know if this was supposed to work, or would still work. If you do not want to try that approach (with a small test payment), it sounds as if you should enroll in the Direct Debit option.
For reference, paper checks are still very common in the USA financial system, including transfers between financial institutions that "know" each other very well. In terms of the cheque payment, Amex says that some accounts accept cheque payments but not mine.... If what Citi said is true, I thought many more Amex customers paying via Citi have been affected... |
Originally Posted by mia
(Post 32694880)
I paid using my bank's online billpay service, and I treated the IDC the same as a USA-issued card and simply entered the card number. I do not know if this was supposed to work, or would still work. If you do not want to try that approach (with a small test payment), it sounds as if you should enroll in the Direct Debit option.
The other option I see in the Citi account is Zelle, does anyone know this payment method? Looks like PayPal but am not sure about what it is. |
Originally Posted by Dark Blue
(Post 32698111)
....the card number was recognised as an Amex card but NOT as a US card, ....
Wire Transfers are useful, but would not normally be used for routine bill payments. (Read about the difference between ACH billpay systems and Wire Transfers HERE.) |
Originally Posted by mia
(Post 32698235)
It looks as if you will need to enroll in the Direct Debit method.
Wire Transfers are useful, but would not normally be used for routine bill payments. (Read about the difference between ACH billpay systems and Wire Transfers HERE.) Setting up the DD takes a few weeks, I have to use the wire transfer...not happy. |
me too. I have a 6USD charge on the sending side and Stanchart in NY charges 25USD.
IF it is the case that the only payment option AMEX allows attracts a charge by their bank (standard chartered) 25USD other than a US bank account by direct debit, I think it would lead to some interesting complaints. |
Originally Posted by GordonMacPherson
(Post 32986708)
me too. I have a 6USD charge on the sending side and Stanchart in NY charges 25USD.
IF it is the case that the only payment option AMEX allows attracts a charge by their bank (standard chartered) 25USD other than a US bank account by direct debit, I think it would lead to some interesting complaints. |
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