Call Best Buy's credit card customer service to pay your bill by phone
Best Buy's credit card is issued by Citi, so you call Citi's customer service line to make a payment over the phone. The number is on the back of your card. You will need your card number, account number, or Social Security number to verify your identity, and you can pay toward your balance or make a full payment in one call.
Payments made by phone are processed the same day if you call before the payment deadline on your statement. If you call after the deadline has passed, the payment posts the next business day. Citi accepts payments from a checking account, savings account, or debit card when you pay by phone.
Key Takeaways
- The phone number to pay your Best Buy credit card bill is printed on the back of your physical card.
- You can pay any amount toward your balance or pay the full statement balance in one phone call.
- Payments made before your statement due date post the same day; payments after the due date post the next business day.
- You will need your card number, account number, or Social Security number to verify your identity before making a payment.
- Citi accepts payment from a checking account, savings account, or debit card over the phone.
What information you need before you call
Have your Best Buy credit card in front of you when you call. You will give Citi either your 16-digit card number or your account number to pull up your account. If you do not have the card with you, you can provide your Social Security number instead.
Know how much you want to pay. You can pay any amount from your minimum payment up to your full statement balance. If you are not sure what you owe, the customer service representative will tell you your current balance and your minimum payment due.
How the payment process works over the phone
After you verify your identity, the representative will confirm your current balance and ask how much you want to pay. You then provide the bank account or debit card information you want the payment drawn from. Citi will ask for the routing number and account number if you are paying from a bank account, or the full card number and expiration date if you are paying from a debit card.
The representative will read back the payment amount and the account it will be drawn from, and ask you to confirm. Once you confirm, the payment is submitted. You will receive a confirmation number on the call that you should write down or note in your records.
When your payment posts to your account
If you call before your statement due date and the payment is processed the same day, the money will post to your account within one to two business days. The payment reduces your balance immediately for the purpose of calculating interest, even if it has not fully posted yet.
If you call after your due date has passed, the payment is submitted the next business day and posts within one to two business days after that. Late payments may result in a late fee and a higher interest rate on your balance, depending on how many days past due the account is.
What happens if you miss a payment deadline
If your payment does not reach Citi by your due date, the account is considered late. Citi will report the late payment to the credit bureaus if it is 30 days or more past due. A late fee is charged to your account, usually between $25 and $35 depending on your account history.
Your interest rate may also increase if you miss a payment. The rate you pay on new purchases and existing balances can jump to a higher tier, sometimes called a penalty rate. If you realize you will miss the deadline, calling to make a payment as soon as possible limits the damage — even a partial payment made before the due date can prevent a late fee.
Other ways to pay your Best Buy credit card bill
You can also pay online through Citi's website or mobile app without calling. Log in with your username and password, or create an account if you do not have one yet. The online method lets you schedule a payment for a future date, which is useful if you want to ensure the payment arrives by your due date.
You can set up automatic payments through Citi's website so that a set amount is withdrawn from your bank account on the same date each month. This prevents missed payments if you forget to pay manually. You can change or cancel automatic payments anytime through your online account.
Frequently Asked Questions
Is there a fee to pay my Best Buy credit card bill by phone?
No. Citi does not charge a fee for paying your bill by phone, online, or by mail. The only fees you pay are late fees if your payment does not arrive by the due date, and interest charges on any balance you carry.
Can I pay my bill with a credit card over the phone?
No. Citi only accepts payment from a checking account, savings account, or debit card when you call. You cannot pay with another credit card. Paying a credit card bill with another credit card typically counts as a cash advance and carries higher fees and interest rates anyway.
What if I want to dispute a charge on my bill?
You can report a disputed charge to Citi when you call to pay, or you can contact them separately. You have up to 60 days from when the charge appears on your statement to report it. Citi will investigate and may remove the charge from your account while the dispute is pending.
How do I know if my payment was received?
Write down the confirmation number the representative gives you at the end of the call. You can also log into your online account the next business day to see the payment posted. If the payment does not appear within two business days, call Citi again with your confirmation number.
Can I pay over the phone if I do not have my card with me?
Yes. You can provide your Social Security number and date of birth to verify your identity instead of your card number. The representative will pull up your account and process the payment the same way.