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Credit cards (CITI)

Status: Acknowledged
by on ‎01-17-2018 10:26 PM
Hi:
CITI is the credit card used when applying for credit at Best Buy, the problem is..... you buy the first time (all’s well), BUT when you buy a 2nd time you cannot allocate the amount you’re already paying for your first purchase and allocate a second payment for the second purchase.
CITI wants you to pay the first purchase first and then after you finish paying the Firts purchase start paying the second purchase.... this way you lose the 0% APR on the second purchase and CITI will charge the high interest on the second purchase when you go over the 6, 12 or 18 months you had for no interest.
This is bad for you and injustice from CITI.
So from now on I’ll go somewhere else for purchasing electronics, games, appliances until I paid off the first purchase.
Best Buy will lose many clients this way......
Status: Acknowledged

You would need to reach out to Citibank on this.

Comments
by Emerging Expert
on ‎01-19-2018 12:15 PM

Thats the way any credit card works that makes an offer like that.  And it is common sense that you should be expected to pay off first what you paid for first.

 

I would suggest better control of spending and making sure you can pay for what you purchased. 

by
on ‎01-19-2018 12:27 PM
Your common sense is as useless as the credit cards that do that...
That’s why I wrote that if you don’t want the credit cards manage your money... go to a different store and that way you are controlling YOUR money.... capisce????
by
on ‎01-25-2018 02:19 PM

@bobberuchi I think part of this falls on the stores too because I've overheard employees tell customers (on multiple occassions) that you can make multiple purchases under the same account and when you go online there's a way to pick which item you want to apply the payment towards.  I cannot validate this myself, as I've not had a Best Buy card in a while, but I've definitely heard multiple employees state this.

by
on ‎01-25-2018 02:25 PM
Yes... the employees make a phone call to the credit card and you as the buyer are told “yes, that’ll be no problem”
Then the credit card is saying otherwise...
by Emerging Expert
on ‎01-26-2018 12:11 PM

I don't see that as an option when I log into my card. However I only have one purchase on there. But as it was my understanding you cannot do that. I went and paid off my balance before making the new purchase.  However, most of my purchases the card are getting bonus points back. 

by
on ‎01-26-2018 01:48 PM
Yeah that’s the best thing to do, purchase... pay... purchase.
But Best Buy may lose business if the credit card doesn’t help customers by allocating money the way customers want... I’m just saying.
by Senior Social Media Specialist Senior Social Media Specialist
on ‎02-21-2018 02:28 PM
Status changed to: Acknowledged

You would need to reach out to Citibank on this.

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