How Do I Setup Autopayment for My Citicard Credit Card?

Autopay is a convenient service offered by a number of banks and credit card companies. It allows customers to set up recurring payments automatically and eliminate the headaches of missed or late payments that result in fees and penalties. CitiCard provides this option to its cardholders, but how do you set up autopayment for your CitiCard credit card? Follow these instructions on how to set up your account for autopay, and contact customer support for more information.

Pros and Cons of Autopay

There are some advantages and disadvantages of setting up autopayments:

Pros of Autopay

1. The most obvious advantage is the time saved. You don't have to sit down each month and manually enter your payment because it happens automatically.
2. The process reduces late payment fees and missed payments.
3. It can help improve your credit score because payments are made on time each month. You can also set up autopayments for an amount higher than the minimum requirement, which also helps your credit score.
4. Autopayments can also increase your rewards for some cards.

Cons of Autopay

1. You have to remember to keep enough money in your bank account to cover the autopayments, which can cause problems if you tend to keep a low balance out of habit or necessity.
2. It's easier to let spending on your CitiCard get out of control if you have autopayments set up, because you might not be reviewing your statements as often.

How to Set Up Autopayments

Setting up your CitiCard autopayments is an easy process. You can set it up online or via the mobile app.

Online Autopayments

To set up your CitiCard autopayments online, follow these steps:

1. Log into your CitiCard online account.
2. Click "Payments" at the top of the screen.
3. Choose "Manage Autopay."
4. Link your bank account to your CitiCard.
5. Choose your preferred payment amount, such as minimum amount due, current balance, or another amount.
6. Select how often you want the payment drafted (each month or twice a month).
7. Hit "Continue."
8. Read and acknowledge the terms and conditions.
9. Click on "Enroll."

Via the Mobile App

When setting up CitiCard autopayments via the mobile app, follow these steps:

1. Open the CitiCard mobile app on your smart device.
2. Tap on "Payments or Move Money."
3. Choose "Manage Auto Pay."
4. Link the payment account you wish to use for your CitiCard payment.
5. Choose how much you want to pay (minimum amount, last payment amount, statement balance).
6. Select how often you want autopayments to occur each month.
7. Tap on "Submit."
8. Read and agree to the terms and conditions to complete enrollment.

Setting up autopayments on your CitiCard can give you more control over your overall financial health. It's convenient and can help you save money and time, while increasing rewards and building your credit score. For more information, contact CitiCard customer support here.

Remember, even with autopayments, it's a good idea to review your monthly statements regularly. This will help you keep track of your spending habits and identify fraudulent charges or other errors on your account.