Where to send your Firestone credit card payment
Firestone Complete Auto Care issues its credit card through Citi, so your bill goes to Citi and payments go to Citi. You can pay online through the Citi website, by phone, by mail, or in person at a Firestone location — though not all locations accept payments, so calling ahead is worth the time.
The fastest route is the Citi website or mobile app. Log in with the same username and password you use for any other Citi card account. If you have not set up online access yet, you can create an account at citibank.com using your card number and Social Security number.
By phone, call the number on the back of your card. Citi's automated system will walk you through the payment, or you can speak to a representative. Payment by phone usually posts within one business day.
Key Takeaways
- Firestone credit card payments go to Citi, not to Firestone, because Citi issues the card.
- Online payment through citibank.com or the Citi mobile app is the fastest method and posts the same day you submit it.
- You can also pay by phone at the number on your card, by mail to the address on your statement, or at some Firestone locations.
- Your due date and minimum payment appear on your monthly statement; paying in full avoids interest charges.
- Set up automatic payments through your bank or through Citi's website if you want to avoid missing a due date.
Online payment through Citi's website or app
Go to citibank.com and log into your account. Select "Make a Payment" or "Pay Now" — the exact wording depends on which version of the site you see. You can pay from a checking or savings account, or use another Citi card if you have one.
Enter the amount you want to pay and choose the date you want it to post. If you choose a date within the next business day, Citi will process it when ready. If you choose a future date, Citi will hold the payment and post it on that day. The Citi mobile app works the same way and is often faster if you are paying from your phone.
You will see a confirmation number on screen. Write it down or take a screenshot — you will need it if you ever need to prove you made the payment.
Paying by mail or automatic payment
Your monthly statement shows a mailing address for payments. Write a check or money order, include your account number on the back, and mail it to that address. Mail payments take five to seven business days to reach Citi and post to your account, so send it at least a week before your due date.
To set up automatic payments, log into your Citi account online and select "Automatic Payments" or "Autopay." You can choose to pay the full balance each month, the minimum payment, or a fixed amount you set yourself. Automatic payments post on the date you choose, so you can schedule them for just after payday if that helps you manage cash flow.
Paying at a Firestone location
Some Firestone Complete Auto Care locations accept credit card payments in person, but not all do. Call your local store before you go — the number is on your receipt or on the Firestone website. If they do accept payments, bring your card or account number and a form of payment (cash, check, or debit card).
Payments made in person may take one to two business days to post to your Citi account, so do not assume it is processed when ready. Ask for a receipt showing the amount and date.
What happens if you miss a payment
If your payment does not reach Citi by the due date on your statement, Citi will charge a late fee — usually $25 to $40 depending on your account history. More importantly, a late payment will lower your credit score and may trigger a higher interest rate on future purchases.
If you are a few days late, pay as soon as you can. If you are more than 30 days late, contact Citi before the situation gets worse. Citi has hardship programs for people facing temporary financial difficulty, and speaking to them early gives you more options than waiting for them to contact you.
Understanding your interest rate and balance
The Firestone credit card charges interest on any balance you carry past the due date. The rate varies based on your credit score and current market conditions, but Citi will show you the rate on your statement and online account. If you pay the full balance by the due date each month, you pay no interest.
Your statement shows the purchase APR (the rate for regular purchases), the cash advance APR (usually higher, for cash withdrawals), and the promotional APR if you have an introductory offer. Read the fine print on promotional rates — they usually expire after a set number of months, and your rate jumps to the regular APR after that.
Setting payment reminders and avoiding late fees
The simplest way to avoid a missed payment is automatic payment, but if you prefer to pay manually, set a phone reminder for five days before your due date. That gives you time to make the payment online or by phone without rushing.
You can also sign up for email or text alerts through your Citi account. Citi will send you a reminder a few days before your due date and can alert you if your balance reaches a certain amount. These alerts are free and take two minutes to set up.
Frequently Asked Questions
How long does it take for an online payment to show up?
Online payments through citibank.com usually post the same day you submit them if you submit before the cutoff time (typically 8 p.m. Eastern). If you submit after that time or on a weekend, it will post the next business day. You can see the payment in your account when ready, but the balance may not update until the next day.
Can I pay my Firestone credit card with a different bank's app?
Yes. If your bank offers bill pay, you can set up a payment to Citi's mailing address using your Firestone card account number. Your bank will mail a check on your behalf, so allow five to seven business days for it to arrive and post. This method works well for people who prefer to manage all payments through one app.
What if I pay more than I owe?
Citi will hold the overpayment as a credit on your account. You can use it toward future purchases, or you can request a refund. To request a refund, call the number on your card and ask for a check to be mailed to you. Refunds usually take two to three weeks.
Is there a fee for paying online?
No. Citi does not charge a fee for online payments, phone payments, or automatic payments. Mail and in-person payments are also free. The only fees are late fees if you miss a due date and interest if you carry a balance past the due date.
What if my payment was rejected?
Online payments are usually rejected because the bank account information is wrong or the account does not have enough funds. Citi will tell you why the payment failed and let you try again when ready. If you are unsure, call the number on your card and a representative can help you troubleshoot.