Can you check your credit card balance online?

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creditcardnoob
 
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Can you check your credit card balance online?

Postby creditcardnoob » Fri Jan 11, 2013 1:52 am

Lets say my bank is BoA and I get a credit card from them. That credit card shows up on my BoA online account, and I can easily pay with a transfer and check that credit card right there on my online account.

My question is, If i get another credit card, lets say from citibank. First of all, how do I check the balance online like I would if i had a citibank account. I don't want to wait until the statement comes in or call, is there a way to check online?

Also, how would you pay that citibank credit card? I know you can mail a check once the statement comes in, or pay over the phone I believe. Also transferring balances I have read about. But if i just want to pay it in full, how do i do that?


travduke
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Postby travduke » Sun Jan 13, 2013 10:08 am

Here in 2013, everyone has online banking.

jrv
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Postby jrv » Sun Jan 13, 2013 6:10 pm

Serious? It's a simple process. Go to the company website and register the card by creating a user ID & password. You'll also be able to register a payment account.
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Postby ZCamp101 » Mon Jan 14, 2013 2:07 am

jrv wrote:Serious? It's a simple process. Go to the company website and register the card by creating a user ID & password. You'll also be able to register a payment account.


You are right! If the process is still confusing, you can call customer service and they will be glad to assist you.

creditcard1
 
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Postby creditcard1 » Tue Jan 15, 2013 3:15 am

Now everyone can check their credit card limit online.

creditcardnoob
 
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Postby creditcardnoob » Tue Jan 15, 2013 11:59 pm

jrv wrote:Serious? It's a simple process. Go to the company website and register the card by creating a user ID & password. You'll also be able to register a payment account.


yes, I am serious because I dont have a credit card yet. I thought you could only register if you had like a checkings or savings account with them. And after I register, how do i pay if I dont have a checkings account with them? I only know of transferring the money from checkings to credit card if they are the same company.

I was also told that one could go into "pay bills" and select the company to pay to, like if one was paying for an utility bill, but for some companies they have the name of the bank shown a couple times, so I dont want to "pay" to the wrong one.

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Calipso
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Postby Calipso » Wed Jan 16, 2013 6:28 pm

I don't remember the last time I went to a paper statement or used a phone call to check my credit balance...

Everyone does online banking now.
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DoingHomework
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Postby DoingHomework » Wed Jan 16, 2013 8:17 pm

creditcardnoob wrote:yes, I am serious because I dont have a credit card yet. I thought you could only register if you had like a checkings or savings account with them. And after I register, how do i pay if I dont have a checkings account with them? I only know of transferring the money from checkings to credit card if they are the same company.

I was also told that one could go into "pay bills" and select the company to pay to, like if one was paying for an utility bill, but for some companies they have the name of the bank shown a couple times, so I dont want to "pay" to the wrong one.


Once you have your citi card you'd go to the citi website, register the card as a few have said then login. After that there will be a way to link it to your bofa checking account. The exact way is different for every bank but it basically just involves entering the routing number and account number

jrv
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Postby jrv » Wed Jan 16, 2013 9:08 pm

creditcardnoob wrote:yes, I am serious because I dont have a credit card yet. I thought you could only register if you had like a checkings or savings account with them. And after I register, how do i pay if I dont have a checkings account with them? I only know of transferring the money from checkings to credit card if they are the same company.

I was also told that one could go into "pay bills" and select the company to pay to, like if one was paying for an utility bill, but for some companies they have the name of the bank shown a couple times, so I dont want to "pay" to the wrong one.


I'll use BoA since that is the company you used in your example. Once you get approved for the BoA card, you'll be able to register for online access through their website. Sometimes you may have to call to have give you a temp user id & password. After your account is setup online you'll be able to link a payment account using your bank routing # and account #. It can be any bank. Or if you prefer, you can call them up & ask them if they have other payment options.
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Postby silver6054 » Wed Jan 16, 2013 9:08 pm

As others have said, you first set up an account on the credit card site (Citi in your example) so you can view bills, posted transactions, and, in many but not all (US Bank, PenFed) pending transactions, ones that have not yet fully posted.

Then there are usually two ways to pay:

1) From the credit card web site, as mentioned by others above. You set up a pay from account (your BOA bank account, giving routing number and account number). You can usually set up auto-pay or just do on demand payments. For auto-pay, you are often given choices, such as pay full statement balance, pay minimum, pay current balance. Using this option, the credit card company pulls money out of your bank account either every month or when you tell it to.

2) From your banks Bill Pay site. Banks prefer you to use their site for all bill pay, but that's self interest (makes your relationship with them more sticky). You will have to know how to make sure the payment gets credited to the correct account. The one advantage of this is when the credit card site limits the number of payments you can make per month. Using this, you can push extra payments.



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