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I have a Citibank Mastercard that 146 days past due. The total balance is $2278.9. The minimum amount due 7/11 is $1,189.79. For the past year I've been paying them $60 a month. They keep calling but I don't answer. Today my husband got a hang up call from "Unavailable" which Citibank calls from (I only know this because I mistakenly answered once the "unavailable" but got scared & said I wasn't available).

I don't want my husband to find out about this debt. I can only afford $60 a month to Citibank.

Each month I do get an email saying that "No matter what my situation, they are sure they can help".

I should call Citibank & discuss this with them, but I'm afraid its too far gone.

Has anyone dealt with Citibank in trying to set up payment arrangements??

Are they easy to work with?

If one rep declines, would it pay to call back & get another rep and see if they can help?

All I know is I don't have the money, but I am willing to pay $60 a month. I have a baby & its hard to make more than $60 a month payment.

I had a balance of $7000.00 we too have gone through a bad spell with the economic downturn. They gave me a zero percent interest for a year at $80 a month. I too was in trouble with credit bills my husband didn't know about. I finally had it with the stress a nd told him we were in financial trouble. After 23 years of marriage we decided we could not let finances cause marital problems. You need to talk to your husband. call Citi tell them you need to go on the hardship program and exactly why they are great.

Sub: #1 posted on Wed, 04/01/2009 - 22:14


I understand. I don't think, tho, that the OP actually got a plan. I read her post as they want her to send in money and THEN they'll look at what plans are available.

My point to that is, if she sends in her $413 payment, then she'll probably be current and therefore, won't qualify for an assistance plans.

Sub: #2 posted on Fri, 07/25/2008 - 02:34

desperatelyseekingsanity desperatelyseekingsanity

(Posts: 1129 | Credits: 58.41)

I hear what you are saying, but what you have to remember is that they hold the cards.. the debt is valid and any payment plan is really at their discretion..the trick.. is to negotiate rather than demand.. as I write I am thinking something like this... My payment was(is) submitted with the intention of negotiating a workable payment plan in order to resolve the account. based on telephone conversations (insert with whom and when), it is my understanding that upon receipt you will be willing to negotiate such a plan.

I do agree that getting it in writing before hand is better, but it never hurts to have a backup plan.

Sub: #3 posted on Fri, 07/25/2008 - 00:52

jj jj
(Posts: 1057 | Credits: 107.78)

jj - they haven't given her a plan yet. They said AFTER she sends in the $413 for her to call back and then they can look at what plans can help her. After that payment, she would've paid almost 1/3 of her balance. They may think that if she can come up with over $700 in one month, then she has the ability to pay the rest with no problem.

Personally, I would call them now and get on a plan. I've said this before but I guess noone is listening to me. :?

Sub: #4 posted on Fri, 07/25/2008 - 00:37

desperatelyseekingsanity desperatelyseekingsanity

(Posts: 1129 | Credits: 58.41)

I personally would not send them a dime until I had an agreement in writing. I also wouldn't send them a dime until the waived every last one of their BS fees that I am sure they are tagging you with.

Sub: #5 posted on Fri, 07/25/2008 - 00:30

Moderators Cum Industry Expert
(Posts: 1078 | Credits: 137.97)

one thing you can do is send a letter confirming your conversation about a plan conditioned on receipt of the payment. if you mail the payment, sendit with it, if you pay by other means, send it via fax with a certified letter followup

Sub: #6 posted on Fri, 07/25/2008 - 00:11

jj jj
(Posts: 1057 | Credits: 107.78)

I would ask for a plan BEFORE you send the money in. If you look at what has just transpired, they got you to send in payments ($330 + $413 you promised). At that point, you will be current and then they'll say you don't qualify for a plan...IMHO.

I would call them back and ask them for a plan first before you go borrowing from your family. That (IMO) is just robbing Peter to pay Paul.

If the first person you talk to can't help you, ask for a supervisor. Or call back'll probably get someone different.

Sub: #7 posted on Thu, 07/24/2008 - 19:08

desperatelyseekingsanity desperatelyseekingsanity

(Posts: 1129 | Credits: 58.41)

I hope they come through with a good plan for you! I have read other posts on this site about people catching up their past due balance based on the creditor's promises, and then once the balance is caught up, the creditor doesn't come through. Hopefully, if she noted your file, then they will follow through with whatever you discussed. It sounds like things may work out for you!! Keep us posted!

Sub: #8 posted on Thu, 07/24/2008 - 07:26

alias1958 alias1958

(Posts: 1230 | Credits: 79.88)

Sorry for being so tardy in my response. I have a teething baby who won't take a nap at all during the day this past it's been FUN here!

The payment got received and the minimum is now down to $413. I'm about 70 days past due now, so that's better than the 146 I posted before. I did call after the payment was received and we discussed a few options. The best was if I come up with $413 and send that in. I managed to borrow money from my family-but I won't be able to send it in until the end of this week or the start of next week. The rep said to call once I have the payment sent in. She'll note my account and then once the payment was received she can help me work out a plan.

Sub: #9 posted on Thu, 07/24/2008 - 05:46

lawn1016 lawn1016

(Posts: 676 | Credits: 70.59)

Lawn, what happened with Citi? Did you call them? Did they set you up on a program that you can live with? Let us know!

Sub: #10 posted on Sat, 07/19/2008 - 01:57

alias1958 alias1958

(Posts: 1230 | Credits: 79.88)

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