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Paying Citi cards with debit cards including prepaid debit cards

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Old Mar 23, 2014, 7:05 pm
FlyerTalk Forums Expert How-Tos and Guides
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 Wiki may be out of date.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:
  • Alaska - some have not gotten miles;
  • SunTrust - no miles;
  • UFB Direct - $2000 daily limit - no miles.
Coinbase (shutdowns have been reported)
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)


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Paying Citi cards with debit cards including prepaid debit cards

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Old Dec 20, 2022, 1:04 pm
  #1621  
 
Join Date: Jun 2020
Posts: 170
Originally Posted by bmustang
xxxxx
It happens to the best of us.....
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CerealCardSpender is offline  
Old Jan 3, 2023, 1:00 pm
  #1622  
30k
 
Join Date: Aug 2019
Location: SoCal
Posts: 77
DP: Pathward prepaid MC (courtesy of Equifax settlement) worked today.

Last edited by 30k; Jan 3, 2023 at 1:07 pm Reason: see photo
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Old Jan 4, 2023, 1:04 pm
  #1623  
 
Join Date: Oct 2019
Posts: 29
Originally Posted by 30k
DP: Pathward prepaid MC (courtesy of Equifax settlement) worked today.
Do you have the BIN for that card?
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Old Jan 4, 2023, 1:11 pm
  #1624  
30k
 
Join Date: Aug 2019
Location: SoCal
Posts: 77
Originally Posted by ZinCO
Do you have the BIN for that card?
544768; Metabank MC
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Old Jan 16, 2023, 12:07 pm
  #1625  
 
Join Date: Jul 2013
Location: DFW,OVB (Russia)
Programs: AA HH Gold SPG Gold BA
Posts: 1,823
Originally Posted by 30k
DP: Pathward prepaid MC (courtesy of Equifax settlement) worked today.
I will save you guys the trouble In my silent testing/ rationalizing it seems most cards designated as "corporate" or "incentive cards " work with this... While , something designated as card issued as "gift cards" don't work Also , yes Gift card granny E master work , but idk if those of us in this space are tagged in some way or something , but when someone mentioned up thread that gift card granny worked , I went after it, it worked for a few months following all published limits etc, but was banned within like three months So be careful So the short version is , if someone can legitimately create or has access to a corporate account and can buy Visa or Mastercard cards that should work and would be helpful FYI Ive wasted months trying to create a corporate account , but no luck /too much headache


Lately , i have stumbled across some portal https://www.xoxoday.com/ Which they say they work with US clients , however the way they send sms code for phone number, is not recognized by US cell phone providers for whatever reason , I used a foreign phone number / sim card in roaming and it worked Turns out this company is based in India somewhere.. Very unprofessional / unresponsive customer service Which , that time I gave them a legit EIN that i have for a legitimate business interest of mine ..... praying they are not scammers


Ok great, we are all caught up

But yes , if anyone has experience or knows, it would be great to know if xoxoday is at least semi legit; or should I be concerned about having opened myself up to possible ID theft based on an EIN and other info ? Just really unsure ...........
mew24680 and WantOnlinePoker like this.

Last edited by rgAAFT; Jan 16, 2023 at 12:15 pm Reason: add to conversation
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Old Feb 6, 2023, 10:15 pm
  #1626  
 
Join Date: Mar 2004
Location: Boston, MA
Programs: NWA WorldPerks, UA Mileage Plus & CX Marco Polo
Posts: 129
Was the bin of the securespend visa you used 409758 / I think the same as the new Vanilla visa from Metabank
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Old Feb 10, 2023, 9:59 pm
  #1627  
 
Join Date: Feb 2023
Posts: 2
BIN: 544544

P&G Rebate MasterCard issued by Sunrise Banks N.A. and administered by Northlane did not work. Not too surprised since the Sunrise Visa is also in the wiki and known not to work.

Northlane call center agent said cash advance and cash-like transactions are disabled on this particular card.
LEGOProBuilder is offline  
Old Feb 15, 2023, 3:43 pm
  #1628  
 
Join Date: Mar 2004
Location: Boston, MA
Programs: NWA WorldPerks, UA Mileage Plus & CX Marco Polo
Posts: 129
Originally Posted by ryanjudy
Was the bin of the securespend visa you used 409758 / I think the same as the new Vanilla visa from Metabank
Replying to myself, SecureSpend Prepaid Visa 4097 58 from Metabank does not work.
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Old Feb 17, 2023, 7:45 pm
  #1629  
 
Join Date: Jun 2018
Posts: 14
Anyone still having success with CB debit? The phone system has been rejecting it for about a month now for me.
travel44ever is offline  
Old Feb 22, 2023, 12:46 am
  #1630  
 
Join Date: Jan 2013
Posts: 115
Seems like m c g c from gcs are dead.
mew24680 is offline  
Old Feb 28, 2023, 5:59 pm
  #1631  
 
Join Date: May 2010
Posts: 437
Super silly question
I have Citi premier with 3x gas station and grocery stores. I assume it wont earn points with Simon Mall gcs right?

Also, which supermarkets/gas stations have visa or mc gcs with lowest fees?

I am in TX and FL btw
misterno is offline  
Old Feb 28, 2023, 6:03 pm
  #1632  
 
Join Date: Mar 2009
Posts: 2,295
Originally Posted by misterno
Super silly question
I have Citi premier with 3x gas station and grocery stores. I assume it wont earn points with Simon Mall gcs right?

Also, which supermarkets/gas stations have visa or mc gcs with lowest fees?

I am in TX and FL btw
Simon Mall is not a gas station or grocery store if that is what you're asking.

Too many variables to answer your second question. You'll have to do some personal reconnaissance.
danpeake is offline  
Old Feb 28, 2023, 6:14 pm
  #1633  
 
Join Date: May 2010
Posts: 437
Originally Posted by danpeake
Simon Mall is not a gas station or grocery store if that is what you're asking.

Too many variables to answer your second question. You'll have to do some personal reconnaissance.
Well, if I go to a walmart and buy a visa gc, would that be grocery store shopping?
Does it have to be like kroger or safeway kinda store?

The reason I asked Simon online because gcs are $1,000 worth. Any supermarkets selling $500 gcs?
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Old Feb 28, 2023, 7:03 pm
  #1634  
 
Join Date: Oct 2019
Posts: 29
Originally Posted by misterno
Any supermarkets selling $500 gcs?
Most of them. Certainly my Krogers do.
ZinCO is offline  
Old Mar 2, 2023, 4:26 pm
  #1635  
 
Join Date: May 2010
Posts: 437
Vanilla visa from Metabank says Debit on it. But when I tried to pay my citi credit card thru Paypal it did not let me. It says
  • Sorry, we weren't able to authorize your card. Please choose another way to pay.
I registered the card under my name address phone etc

What is the problem here?
misterno is offline  


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