Give it a shot and let us know if it works. But just as a data point the BBY card on evolve pays citi.

I had a chat with a supervisor level Chase mortgage person when I first started using evolve. Apparently there are different T&Cs on mortgages and Chase's system is kind of screwy on handling them.

Let's say my mortgage was $1K and I paid $1.8K the same day, it would get credited $1K P&I and $800 to P. If I did $2K same day, it would get credited as 2 payments. If I did $1.8K and then $200 the next, it would be 1 payment, and $800 and $200 towards principal.

Apparently as others have noted, if all your payments arrive on the same day and exceed your monthly payment, you'll get a payment + principal reduction on the difference.

What is not apparent is, that it's only to a point because some mortgages (like mine) allow pre-payments. Say you're going out of town, you can send in two payments and it will pay this month and the next. So that's why I got credited 2 payments worth instead of principal reduction on the middle scenario. My mortgage allows for up to 3 prepayments a month.

So anyways, took a long time to figure that out with the multitude of $100 and $200 payments I was doing on a much larger mortgage :)

Pays which citicard? Any citi credit card?

CITIBANK issues the BestBuy credit card

I understand, does that mean I can pay any citicard using Evolve?

I tried paying my citi AA mastercard but it didn't work :(

Yes, I would like to pay mine too.

Thanks for the info, Sam! So a question for Sam and anyone else in the know: I have a monthly mortgage of $1.8K. If I want to pay my Chase mortgage using Evolve does that mean I need to open up two accounts? Otherwise I would be making the payment in two days, would they be applying the 2nd day's payment to principal as opposed to P&I? I'd prefer to just have one Evolve account but will obv open the 2nd if that's the only way to make this work. Thanks all!

Not sure exactly how to make it work but DO NOT open 2 accounts. They are actively looking for people trying to get around the 1k daily limit.

I think someone said a couple of pages back that they did their supra-$1k payments over the weekend, and they were processed on Monday as one payment so maybe you could try sending half your payments on Saturday and half on Sunday.

If I contribute to my NY State 529 College Savings Plan - will I still receive the state tax benefits by contributing using staples VISA GCs?

Credit Card -> Staples $200 Visa GC -> 529

Does that still work for allowable contributions for tax purposes? The deduction is quite significant, but would hate to explain to NY how the contributions are coming in via GC.

Why don't use your DW or someone in your household for second account. at hats how I pay my mortgage of 2000$.

You will need more than one evolve account. I setup one for myself and spouse. Haven't been active in watching what's shut down or not, but I know there are others that have opened multiple accounts for themselves.

Just be sure to realize that the velocity limit (e.g. 1 payment every 5-6 mins) applies across accounts from the same IP. So you can't pay yours then your wife's immediately after.

There is a workaround. If I need to do things in a hurry, I'll have one account open on my computer, then VPN into work and use my wife's account in a VMWare window. Thus one can have parallel transactions going.

I got the same letter last month. I made my payment to CENLAR from my checking account last month and it went through. Interestingly enough this month I got a statement from Franklin. I just submitted my first EVOLVE payment to CENLAR tonight. Everything appears to working.

tigermark - were you able to do payment to Franklin/CENLAR for over $1,000? Did it apply correctly? TIA!