The main Citibank credit card payment phone number is 1-800-950-5114
Call this number to make a one-time payment, set up automatic payments, or ask about your account. The line is open 24 hours a day, 7 days a week. You will need your card number and the amount you want to pay ready before you call.
When you reach the automated system, you can complete your payment without speaking to a representative. The system will walk you through entering your payment amount and confirming the date the payment will post. If you need to speak with someone, you can stay on the line or press the option for customer service.
Payments made by phone typically post within one business day. If you are calling close to your due date, confirm the posting timeline with the representative to make sure your payment arrives on time.
Key Takeaways
- Call 1-800-950-5114 to make a credit card payment by phone at any time.
- You can pay without speaking to anyone by using the automated system, or press to reach a representative.
- Have your card number and payment amount ready before you call.
- Payments typically post within one business day of being made.
- If you call near your due date, ask when the payment will post to avoid late fees.
What information you need before calling
Gather these details before you dial so the call moves faster. You will need your 16-digit Citibank credit card number, which is on the front of your card. You will also need to know the amount you want to pay — either your full balance, your minimum payment, or a specific dollar amount.
If you are setting up automatic payments instead of making a one-time payment, have your bank account number and routing number ready. The routing number is the nine-digit code at the bottom left of your checks, or you can find it on your bank's website.
Have your phone number and the last four digits of your Social Security number available as well. The system uses these to verify your identity before letting you make changes to your account.
Making a one-time payment through the automated system
After you call 1-800-950-5114, the automated system will ask you to enter your card number using your phone keypad. Press each digit as the system prompts you. Once your card is recognized, the system will confirm the last four digits back to you.
Next, you will choose your payment method. You can pay from a checking or savings account, or use a debit card. If you use a bank account, enter your routing number and account number. If you use a debit card, enter the card number instead.
The system will then ask you to enter the payment amount and confirm the date you want the payment to post. Review both pieces of information carefully before confirming. Once you confirm, the system will give you a confirmation number — write this down for your records.
Speaking with a Citibank representative
If you prefer to speak with someone or have questions the automated system cannot answer, stay on the line after entering your card number and select the option for customer service. A representative will verify your identity by asking for information like your date of birth or the last four digits of your Social Security number.
Tell the representative the amount you want to pay and when you want it to post. They can also help you set up automatic payments, change an existing payment, or discuss payment options if you are having trouble paying your full balance. Representatives can answer questions about your account that the automated system cannot handle.
Wait times vary depending on call volume. If you are calling during business hours on a weekday, you may wait longer than if you call early morning or late evening.
Setting up automatic payments by phone
Automatic payments mean your bill gets paid on the same day each month without you having to call or log in. When you call 1-800-950-5114, tell the automated system or representative that you want to set up automatic payments.
You will choose the payment amount — your minimum payment, a fixed dollar amount, or your full statement balance each month. You will also pick the day of the month when the payment should post. Most people choose a date shortly after they receive their paycheck or a few days before their due date.
Once automatic payments are set up, you can still make extra payments by phone or online whenever you want. You can also change or cancel automatic payments at any time by calling the same number.
If you cannot reach the main payment line
If 1-800-950-5114 is busy or you are having trouble with the automated system, you can also pay online through your Citibank account. Log in at citibank.com, go to your credit card account, and select "Make a Payment." Online payments work the same way as phone payments and post within one business day.
You can also mail a check to the address on your monthly statement. Write your account number on the check and mail it to the address listed under "Payment Address" on your bill. Mail payments take longer to post — usually 5 to 7 business days — so do not use this method if your payment is due soon.
If you have a Citibank branch near you, you can also walk in and make a payment in person. Bring your card or account number and the cash or check you want to pay with. In-person payments post the same day if made before the branch closes.
Frequently Asked Questions
Will I be charged a fee to pay by phone?
No. Citibank does not charge a fee for paying your credit card by phone. You pay only the amount of your bill, with no additional charges added by the bank.
What time should I call to avoid waiting?
Call early in the morning (before 9 a.m.) or late in the evening (after 8 p.m.) on weekdays to reach a representative faster. Weekends and holidays also tend to have shorter wait times than weekday afternoons.
Can I pay someone else's Citibank credit card by phone?
No. For security reasons, you can only pay the card that is registered in your name. If you want to pay someone else's bill, they must call and authorize the payment themselves, or you can send them money and they can pay it.
How long does a phone payment take to show up on my account?
Payments made by phone typically post within one business day. If you call on a Friday evening, the payment may not post until Monday. Always call a few days before your due date to make sure the payment posts on time.
Can I set up automatic payments for just one month?
Automatic payments are ongoing until you cancel them. If you want to pay just once, make a one-time payment instead. You can cancel automatic payments anytime by calling 1-800-950-5114 and speaking with a representative.