I BTd $13000 to Citi Diamond AMEX with $5500 balance, $11000 CL. Requested credit refund 8/17. Received e-mail 8/23 saying I had a message, said message was dated 8/20 when I logged in. Said check was on the way. This may be pure coincidence, but this card had a couple more months of 0% BTs on it, and I think displayed as such online a few weeks ago. But when I went to verify the BT had posted I only had 6.9% for 6 month offer (which is why I didn't try the route of BTing off).

$6000 CL on a citibusiness premierpass card w/ $0 balance. BT'd 14750 from bank atlantic business card to it and then did a BT check for 20650.

Man, I love this TOPIC!!!

THanks to all the contributors; the info is GREAT (and has already helped a few people!)!!

keep it going...

PS, after Ventruion's post about aggressive BT'ing, I think my AOR has a new home for BTs.... I may even try to beat the record!

Hi,

Could you pl. guide me on how to get a overpayment (-ve balance) check? Don't seam to find it in any of the menus.

Does the option only appear once you have -ve balance?

TIA

No troubles .... except for (yawn)... time it took to get checks. I used 3 distinct Citi cards ina a recent app spree. y results of credit balance refunds from Citi follows. The first section is specific to timing. The second section relates to card descriptions:

• card(a) Credit: 8/13 RefReq: 8/15 Tran: 8/16 Rec'd: 8/23
  
• card(b) Credit: 8/18 RefReq: 8/21 Tran: 8/30 Rec'd: 9/04
  
• card(c) Credit: 8/20 RefReq: 8/21 Tran: 8/28 Rec'd: 9/01

• card(a) LINE=$5000~~~OVERPAID: $9,246 CitiAge=11 years
  
• card(b) LINE=$500~~~OVERPAID: $19,997 CitiAge=new card
  
• card(c) LINE=$1000~~~OVERPAID: $8,500 CitiAge=new card

December 2006
$7,000 overpaid on a $8,500 limit Citi Elite Premier Pass.

Used the online request an overpayment button. Check took around 1 week or so to come.

February 2007
$75 overpaid on same $8500 card (I got a refund for the annual fee even after I paid it, thanks FW!)
Did NOT request a check.

They sent one about 3 months later anyway, for about $50, since I'd charged 25 in the interim.

UPDATE:
Finally finished my Biz A-O-R. I got 3 refund checks from a Citi personal card with $2K in CL. The cheks were $35K, $54K, and $19K respectively. The last one is from M&T bank which sent a check....ughh. Does this qualify for an award?

In response to questions below - the BTs were done from various biz cards (see my Business A-O-R thread for the cards) and all done within 3 weeks. I think the first refund was requested in a different billing cycle than the second two, but they were all within 2 weeks from the first to the last. I did not wait for one to clear before initiating the next one. In fact, I submitted four refund requests. The second one was "overwritten" by the third larger refund request. As soon as I got more funds into the account, I would request another refund. I never got a call from Citi or any e-mail message other than those informing me of the request fulfillment. Let's hope it stays that way!

Lastly - I didn't do a CITi Biz to Personal BT. For the Citi Biz card, I reallocated line from the personal card and then got a BT check that I deposited in my bank account.

pdpyromaster said:Instead of requesting a refund check, since you have a balance you can just go ah3ead and request a BT check with no fee (it doesn't matter what the interest rate is) and then eveerthing is handled on the website.You mention no fee. If I have a 3% fee and no cap on the fee, will I get charged a fee to get my overpayment back? Or only if I dip into my existing credit line? I'm about to request a $19,750 credit refund/or BT...and I think the BT check would be better, but I'm not about to pay the fee. Guess I should truly call cust svc to be 100% sure. I just don't want to talk to Mukhopadhyay, I meant Jeff.

NM, I saw Roman's post at the top of this page and it looks like a rep told him there'd be a fee anyway. Guess I'll call and see what kind of answer I get.

In ref to my post 2 posts up...I ended up chosing the credit balance refund method. Submitted on 9/20. Got an email the next day saying they needed to verify my recent large payment. Got another email today saying to check the status of my request - which was approved. $19750 refund of overpayment on a $3600 CL.

Any other circumstances, djscal? Yours seems to be the first overpayment resulting in problems.

djscal said:I overpaid my Citi Dividend card by $30k and now Citi is doing an investigation of my account. They have been holding the money for 4 weeks now and will not release the funds until their "investigation" is complete.

Be careful of overfunding your Citi account too much.