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Paying Citi cards with debit cards including prepaid debit cards

Paying Citi cards with debit cards including prepaid debit cards

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Old Jul 11, 18, 1:41 am   -   Wikipost
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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, but 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.


Add cards to these two lists as appropriate. Please keep it alphabetical.

Debit cards that work for paying Citi cards over the phone:
All debit cards attached to regular checking accounts (Alaska - some have not gotten miles; SunTrust - no miles; UFB Direct [$2000 daily limit] - no miles)
Green Dot (permanent card)
H&R Block Emerald
JH Preferred
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
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 (it's not a debit card)
American Express for Target (it's not a debit card)
Bluebird (it's not a debit card)
Google Wallet (it's not a debit card) - (it is a debit card; whoever said it isn't is wrong)
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
Serve (it's not a debit card)
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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Old Feb 9, 14, 11:53 am
  #1  
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Join Date: Feb 2013
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Cool Paying Citi cards with debit cards including prepaid debit cards

Sometime in early 2013, I needed to make a payment on a Citi card with a painfully small CL in order to book some tickets and get the credit offered on that card. Due to Citi's limitations, I could not make the payment online nor push a payment from my bank. So I called in and was offered the option to pay with a debit card. I never took the time to do any experimenting with this option but after I made a post in the AA executive thread, others have(HT rgAAFT). The conversation about it starts here http://www.flyertalk.com/forum/credi...l#post22312197 and runs for at least 5 pages in between other posts on the Executive card itself.

Takeaways based on info from phone CSR:
  • Any Visa or MC debit card can be used to pay any Citi card over the phone.
    Only one payment per day using only one debit card per day. (EDIT: multiple payments are allowed on the same day)
    CSR will ask for the billing address. The debit card likely needs to be registered to your name and address.
    This method could be very useful for liquidating MVD, JH, PP and similar cards that can be loaded with VR and PP reloads.
    This method could work very well with Visa and MC debit gift cards on a small scale.
    This method could be used to cycle money through miles (or other rewards) earning debit cards.

I agree with the opinion of this post:
Originally Posted by rgAAFT View Post
HUGE DATA POINT
Tested visa gift card issued by Bancorp and it worked
I really don't think it matters which issuer it is!!!!!!!
Use wisely Do not abuse
According to rep the only restrictions are

Any payment amount as long as debit card allows And only once per day with ONE debit card only No splits
Visa and MC only
(Slightly altered, bolding mine.)

Last edited by KennyBSAT; Apr 8, 14 at 6:17 pm
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Old Feb 9, 14, 1:27 pm
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Kenny: good work, per usual.
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Old Feb 9, 14, 1:38 pm
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I imagine this would work with other banks like chase and BOA. Anyone know for sure?
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Old Feb 9, 14, 1:41 pm
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Originally Posted by drdrew450 View Post
I imagine this would work with other banks like chase and BOA. Anyone know for sure?
Didn't work for Chase when I tried. Someone had similar experience in the AAdvantage Executive thread I believe.
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Old Feb 9, 14, 1:47 pm
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Originally Posted by ncSam View Post
Didn't work for Chase when I tried. Someone had similar experience in the AAdvantage Executive thread I believe.
This thread is an offshoot from the Exec thread....Kenny brought it here, as nobody wanted the Exec thread to devolve (or evolve ) into a MS thread.

Citi seems to be the only bank where this applies.
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Old Feb 9, 14, 2:04 pm
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I called 18888564255 to pay my citi hhonors card, the rep said it was not possible with debit card. Called a number on the citi site and the rep tried to pay my balance of ~2100 and it failed, I asked her to try with 900 and it failed. This was with my paypal debit mastercard. I was trying to pay the balance before the statement close, so not sure if that is the problem or maybe its my paypal mc?
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Old Feb 9, 14, 2:12 pm
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You need to be transferred to collections department. I have tried in the past with a certain delta debit earning card ... Payment went through no problem however miles did not get credited for that 'debit purchase'. That was just a test I did a while ago and when I found it gave me no points, went back to BP.
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Old Feb 9, 14, 3:06 pm
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Worked paying my citi dividend card for $700 with my univision prepaid mc.
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Old Feb 9, 14, 3:10 pm
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Originally Posted by xp0 View Post
You need to be transferred to collections department. I have tried in the past with a certain delta debit earning card ... Payment went through no problem however miles did not get credited for that 'debit purchase'. That was just a test I did a while ago and when I found it gave me no points, went back to BP.
I presume you are talking about the ST Delta debit card. Too bad, I was going to try to pay my Citi CC bill using the Suntrust Debit Card.
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Old Feb 9, 14, 3:15 pm
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Originally Posted by drdrew450 View Post
Worked paying my citi dividend card for $700 with my univision prepaid mc.
Is it because this CC had statement balance that much?
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Old Feb 9, 14, 5:45 pm
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Paid my wife's citi dividend cc the same day I paid my citi dividend cc. To pay hers I used a usb visa buxx debit card with her name on it. I paid $830. I am an authorized user, they did not need to speak with her.
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Old Feb 9, 14, 5:50 pm
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Originally Posted by msnut1 View Post
I presume you are talking about the ST Delta debit card. Too bad, I was going to try to pay my Citi CC bill using the Suntrust Debit Card.
You can try again - maybe something changed in the last 6+ months
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Old Feb 9, 14, 7:54 pm
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Are there are no fees for paying with help of Citi agent? I can try to pay my Citi Exec card with Paypal MC
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Old Feb 9, 14, 9:27 pm
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If you're not going to collect miles for this, what the hell is the point?
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Old Feb 9, 14, 11:03 pm
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Originally Posted by RamboAroundTheWorld View Post
If you're not going to collect miles for this, what the hell is the point?
To increase your credit line so that you can easily spend 10K without going over your limit. Also to pay mid cycle I believe.
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