Call Best Buy's payment line to pay your credit card balance over the phone
Best Buy's credit card payment phone number is 1-888-566-5050. This line is run by Citibank, which issues the Best Buy credit card. You can call to make a one-time payment, set up automatic payments, or check your balance and due date.
The line is open Monday through Friday, 8 a.m. to 11 p.m. Eastern time, and Saturday and Sunday, 10 a.m. to 8 p.m. Eastern time. You will need your card number and the amount you want to pay ready when you call. If you are paying from a bank account, have your routing number and account number available.
Payment by phone typically posts to your account within one business day if you call before the cutoff time, which is usually around 8 p.m. Eastern. Payments made after that time or on weekends may post the next business day.
Key Takeaways
- Best Buy credit card payments are handled by Citibank at 1-888-566-5050, Monday through Friday 8 a.m. to 11 p.m. Eastern, and weekends 10 a.m. to 8 p.m. Eastern.
- You can pay by phone using a bank account or debit card, and the payment usually posts within one business day.
- Automatic payments set up by phone can help you avoid late fees if you choose a date after your statement closes but before your due date.
- If you miss the phone payment cutoff time, your payment may not post until the next business day, so plan ahead if your due date is soon.
What information you need before calling
Have your Best Buy credit card number ready. The customer service representative will ask you to verify it before processing any payment. If you do not have the card in front of you, you can still call and provide your name, address, and date of birth to look up your account.
If you are paying from a checking or savings account, you will need your bank's routing number and your account number. Both appear on the bottom left of your checks. If you are paying by debit card, have that card number and expiration date ready instead.
Know the amount you want to pay before you call. You can pay any amount from a minimum payment up to your full balance. The representative can tell you what your current balance and minimum payment are if you are not sure.
Setting up automatic payments by phone
When you call, you can ask the representative to set up recurring automatic payments from your bank account. This removes the need to call each month and reduces the risk of missing a due date. You choose the payment amount and the date each month when the payment will be withdrawn.
Most cardholders set the payment date for a few days before their due date, which gives the payment time to post and leaves a small buffer. The due date appears on your statement each month, usually 21 to 25 days after your statement closes.
You can change or cancel automatic payments by calling the same number. Keep a record of the confirmation number the representative gives you when you set up the automatic payment, in case you need to reference it later.
Other ways to pay your Best Buy credit card
You can also pay online through the Citibank website without calling. Log in to your account at www.bestbuycard.com and select "Make a Payment." Online payments typically post within one business day as well.
Mail is another option if you prefer not to call or use the internet. Your statement includes a payment coupon with a mailing address. Mail payments take 7 to 10 business days to post, so send them well before your due date to avoid late fees.
Best Buy stores do not accept credit card payments in person. You must pay by phone, online, or mail.
What to do if you cannot reach the payment line
If the line is busy or you reach a long wait time, try calling back during off-peak hours. Early morning or late afternoon on weekdays often has shorter wait times than midday or early evening.
If you are calling close to your due date and cannot get through by phone, log in to your online account at www.bestbuycard.com and make a payment there instead. Online payments process when ready and are just as reliable as phone payments.
If you have already missed your due date, call as soon as you can to make a payment. Late fees are typically charged after 21 days past the due date, but interest accrues when ready. The sooner you pay, the less interest you will owe.
Understanding payment posting and due dates
A payment made by phone posts to your account within one business day, but that does not mean it stops interest from accruing on your balance. Interest is calculated based on your balance at the end of each billing cycle, not when your payment posts.
Your due date is the last day to pay without triggering a late fee. If your due date falls on a weekend or holiday, the due date is extended to the next business day. Check your statement to see the exact due date for your billing cycle.
If you pay only the minimum payment, the rest of your balance will carry over to the next month and accrue interest. Paying your full balance each month avoids interest charges entirely.
Frequently Asked Questions
Can I pay my Best Buy credit card with a credit card over the phone?
No. Citibank only accepts payments from a bank account or debit card when you call. You can use a credit card to pay online at www.bestbuycard.com, though most credit card companies charge a fee for this type of transaction.
What happens if I call after the cutoff time?
Payments called in after the cutoff time (usually around 8 p.m. Eastern) or on weekends will post the next business day instead of the same day. If your due date is the next day, call during business hours instead to may support your payment posts on time.
Do I have to set up automatic payments to avoid late fees?
No. You can call each month to make a one-time payment, or pay online. Automatic payments are optional and straightforward remove the need to remember to call or log in each month.
Can I pay someone else's Best Buy credit card bill?
Only the cardholder can authorize a payment by phone. If you are an authorized user on the account, you can call and provide your name and the cardholder's information, but the representative may need to verify with the primary cardholder before processing the payment.
What if my payment did not post after one business day?
Call the payment line again and provide the confirmation number from your first call. The representative can look up the payment and tell you its status. If there was an error, they can help you resubmit the payment or investigate the delay.