Call Best Buy's credit card payment line to make a payment over the phone
Best Buy's credit card is issued by Citi, so payments go through Citi's payment system, not Best Buy directly. To pay by phone, call 1-800-950-5114, which is Citi's customer service line for Best Buy cardholders. Have your card number, account number, and the amount you want to pay ready before you call.
The phone line is available 24 hours a day, seven days a week. When you call, you can pay your full balance, make a minimum payment, or pay any amount in between. The payment posts to your account the same day if you call before the payment processing cutoff time, which is typically in the evening, though the exact time varies by day.
If you are calling from outside the United States, you may reach a different number. Check the back of your Best Buy credit card or your most recent statement for the international customer service number.
Key Takeaways
- Call 1-800-950-5114 to pay your Best Buy credit card by phone; this is Citi's line, not Best Buy's.
- Payments made before the daily cutoff post the same day, but the exact cutoff time varies.
- You can pay your full balance, minimum payment, or any amount between the two.
- The line operates 24/7, so you can call at any time that works for your schedule.
- Have your card number and the payment amount ready before calling to speed up the process.
What information you need before calling
Gather these details before you pick up the phone. You will need your Best Buy credit card number, which is the 16-digit number on the front of your card. You will also need your account number, which may be different from your card number and appears on your statement.
Know the amount you want to pay. You can find your current balance and minimum payment due on your statement or by logging into your online account. If you want to pay more than your minimum, decide that amount ahead of time so you do not have to look it up while on the call.
Have a payment method ready. You can pay from a checking account or savings account using the routing and account numbers. You cannot pay your Best Buy credit card with another credit card over the phone.
When your payment posts and how long it takes
Payments made by phone post to your account the same business day if you call before the cutoff time. Citi does not publish the exact cutoff time on their website, but it is typically between 5 p.m. and 9 p.m. Eastern Time. If you call after the cutoff, your payment posts the next business day.
Payments made on weekends or holidays post on the next business day. If your payment due date falls on a weekend or holiday, Citi extends the due date to the next business day, so you will not be charged a late fee if you pay by the extended date.
Once your payment posts, it reduces your balance when ready. You can check your updated balance online or by calling the same number after a few hours.
Other ways to pay your Best Buy credit card
Paying by phone is one option, but you have other ways to send money. You can log into your online account at bestbuy.com or through the Citi mobile app and make a payment there. Online payments also post the same day if submitted before the cutoff time.
You can set up automatic payments so your bill is paid on a date you choose each month. This prevents missed payments and late fees. You can pay your full balance, your minimum payment, or a fixed amount you set yourself.
You can also mail a check to the address on your statement, though mail takes five to seven business days to arrive and post. This method is slower and carries a small risk that your payment arrives after the due date.
What to do if you cannot reach the payment line
If you call 1-800-950-5114 and experience a long wait or technical issue, try calling back at a different time. Call volume is typically lower early in the morning or late at night. You can also reach Citi through the Best Buy website by logging into your account and using the find message feature to contact customer service.
If you are having trouble making a payment because of a financial hardship, call the same number and ask to speak with a representative about your options. Citi has programs for customers who are struggling to pay, though the details depend on your specific situation.
Frequently Asked Questions
Can I pay my Best Buy credit card at a Best Buy store?
No, Best Buy stores do not accept credit card payments in person. You must pay through Citi by phone, online, mail, or automatic payment. Best Buy does not handle payments for its own credit card.
What if I pay after my due date?
A late fee applies if your payment is not received by the due date shown on your statement. The fee amount depends on your account terms. Paying late also may increase your interest rate. If you miss a payment, contact Citi as soon as you can to bring your account current.
Can I pay my Best Buy credit card with a debit card?
No, you cannot pay with a debit card over the phone. You can only pay from a checking or savings account using your bank routing and account numbers. If you want to use a debit card, pay online through your account portal, where some payment methods may be available.
Is there a fee to pay by phone?
No, Citi does not charge a fee for paying your Best Buy credit card by phone. All payment methods — phone, online, mail, and automatic payment — are free.
What if I want to dispute a charge on my Best Buy credit card?
Call 1-800-950-5114 and explain the charge you want to dispute. A representative will start the dispute process and explain what happens next. You do not need to withhold payment while a dispute is being reviewed, though you can ask about your options.