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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 Wiki may be out of date.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 Jul 23, 2014, 4:51 pm
  #796  
 
Join Date: Nov 2011
Location: SFO/SJC
Programs: whatever comes with CCs
Posts: 1,082
Originally Posted by krayvi
Were these bought from a grocery store? No withdrawal limit error like the rest of us?
this was bought at safeway. No error and CC balance went down by 500 so this worked.
mintcilantro is offline  
Old Jul 23, 2014, 5:01 pm
  #797  
 
Join Date: Jul 2013
Location: DFW,OVB (Russia)
Programs: AA HH Gold SPG Gold BA
Posts: 1,823
Originally Posted by macdonaldj2
Randalls is not the same as Kroger...Randalls falls under the safeway/tom thumb etc...
Ok, that makes sense I must have confused it with Ralph's in California. Sorry
rgAAFT is offline  
Old Jul 23, 2014, 5:31 pm
  #798  
 
Join Date: Nov 2013
Posts: 58
yeah randalls (part of safeway) is different than kroger. no information harvesting at randalls.
alexsherrick is offline  
Old Jul 24, 2014, 11:41 am
  #799  
 
Join Date: Nov 2011
Location: SFO/SJC
Programs: whatever comes with CCs
Posts: 1,082
a word of warning: make sure you verify that the payment has been posted for the correct amount. It can be hard to understand numbers on the phone. The rep made a payment for $195 instead of $495 for me. I'm glad I checked online to see how much my balance went down by.

You can see the last four of the card used by going to payment history page:
https://www.accountonline.com/cards/...hPayHistory.do
mintcilantro is offline  
Old Jul 24, 2014, 11:59 am
  #800  
 
Join Date: Nov 2002
Posts: 164
What is the expiration date of the Safeway $500 MCGC that is working? It's hard to believe that a Safeway USB MCGC is somehow coded differently than a Kroger USB MCGC.
Cbass98 is offline  
Old Jul 24, 2014, 12:27 pm
  #801  
 
Join Date: Jul 2013
Location: DFW,OVB (Russia)
Programs: AA HH Gold SPG Gold BA
Posts: 1,823
Originally Posted by Cbass98
What is the expiration date of the Safeway $500 MCGC that is working? It's hard to believe that a Safeway USB MCGC is somehow coded differently than a Kroger USB MCGC.
Ive seen 02/22 most often, along with a few other exceptions/variations

Also, I dont think this makes a difference but in my experince the account numbers always start with 5428-3760-...-...

Last edited by rgAAFT; Jul 24, 2014 at 12:35 pm
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Old Jul 24, 2014, 1:07 pm
  #802  
ned
 
Join Date: Nov 2002
Programs: MTD pass holder
Posts: 1,142
All Kroger cards I have had for the last month have started with 5428 4430
ned is offline  
Old Jul 24, 2014, 1:09 pm
  #803  
 
Join Date: Oct 2012
Location: DFW
Posts: 478
Originally Posted by rgAAFT
Ive seen 02/22 most often, along with a few other exceptions/variations

Also, I dont think this makes a difference but in my experince the account numbers always start with 5428-3760-...-...
The blue cards start with 5428-3701... exp. 05/21. Both are working though.
spgbus is offline  
Old Jul 24, 2014, 2:00 pm
  #804  
 
Join Date: Jul 2013
Location: DFW,OVB (Russia)
Programs: AA HH Gold SPG Gold BA
Posts: 1,823
Originally Posted by spgbus
The blue cards start with 5428-3701... exp. 05/21. Both are working though.

Interesting find

A couple more data points for you
1. I never bought cards at Kroger (safeway has always allowed me to buy cards in virtually any amounts, combinations imaginable)
2. I don't buy the colorful MasterCards
3. I sometimes buy cards at office supply stores
4. I have always seen 3760 in any location
5. I never had problems paying citi (knock on wood)

Last edited by rgAAFT; Jul 24, 2014 at 2:30 pm
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Old Jul 24, 2014, 2:09 pm
  #805  
 
Join Date: Nov 2002
Posts: 164
Originally Posted by ned
All Kroger cards I have had for the last month have started with 5428 4430
I think we're getting somewhere now. I think my Kroger's have started with the same 8 as well. So either Citi is blocking a certain range of cards or possibly new(er) cards are being blocked (since Krogers allows cc purchases of these cards and get higher turnover than Safeway). I'll have to check my expiration dates from last month that worked and what the expirations and ranges that don't work today. I know my Kroger gets new shipments in weekly.
Cbass98 is offline  
Old Jul 24, 2014, 2:29 pm
  #806  
 
Join Date: Feb 2013
Location: PHL, maybe EWR
Programs: Plat IHG, Marriott Rewards Silver, CSP, Ink Bold, USDM, *Wood Gold, AA, Club Carl
Posts: 285
Funny...kinda had the same experience.
Tried to make a $1,000 payment but the agent must have inputted incorrectly because it only posted as $100.

Called back the next day for another payment this time for $900.

Originally Posted by mintcilantro
a word of warning: make sure you verify that the payment has been posted for the correct amount. It can be hard to understand numbers on the phone. The rep made a payment for $195 instead of $495 for me. I'm glad I checked online to see how much my balance went down by.

You can see the last four of the card used by going to payment history page:
https://www.accountonline.com/cards/...hPayHistory.do
vodkashine is offline  
Old Jul 24, 2014, 2:51 pm
  #807  
 
Join Date: Jul 2013
Location: DFW,OVB (Russia)
Programs: AA HH Gold SPG Gold BA
Posts: 1,823
Originally Posted by Cbass98
I think we're getting somewhere now. I think my Kroger's have started with the same 8 as well. So either Citi is blocking a certain range of cards or possibly new(er) cards are being blocked (since Krogers allows cc purchases of these cards and get higher turnover than Safeway). I'll have to check my expiration dates from last month that worked and what the expirations and ranges that don't work today. I know my Kroger gets new shipments in weekly.

Again,
maybe I misunderstand a portion of your post but again, I have NEVER had any issues buying cards with my credit card from my local Tom Thumb (safeway) . They are always happy to sell me just about any quantity/amount imaginable, all after a quick look at my photo ID
rgAAFT is offline  
Old Jul 24, 2014, 6:56 pm
  #808  
 
Join Date: Oct 2012
Location: DFW
Posts: 478
Originally Posted by rgAAFT
...They are always happy to sell me just about any quantity/amount imaginable...
Do you buy 5k+ repeatable from different TTs?

Data Point: Tried another colorful Celebrate US MC 5428-3762-... 02/22 and it also worked.
spgbus is offline  
Old Jul 24, 2014, 7:30 pm
  #809  
 
Join Date: Jan 2008
Location: LAS
Programs: DL PM, UA PS, Hyatt Globalist, Marriott Titanium
Posts: 4,904
Had 2 MCs from Ralphs, one with a 03/23 expiration and one with 07/20. Both exceeded withdrawal limit. Both cards began with 5428-4430. These were purchased before the news of the error but I didn't have a Citi balance to pay at the time ... :/
amolkold is offline  
Old Jul 24, 2014, 7:38 pm
  #810  
 
Join Date: Jul 2013
Location: DFW,OVB (Russia)
Programs: AA HH Gold SPG Gold BA
Posts: 1,823
Originally Posted by spgbus
Do you buy 5k+ repeatable from different TTs?

Data Point: Tried another colorful Celebrate US MC 5428-3762-... 02/22 and it also worked.
No same one in Plano. They pretty much know me there by now. Only thing is, every time I checkout with cards the manager gets called to check my ID and provide his "override" code.
PS
I have gotten as much as 10k worth of cards in one go!
About the only thing I get is dumb-founded looks by cashiers when I attempt to buy that much and the transaction shows "approved" without much as a second look

Last edited by rgAAFT; Jul 24, 2014 at 7:45 pm
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