How to Pay Your Drive Card Credit Card Bill Online

The Drive Card from Citibank is a popular gas rewards credit card that offers attractive benefits like 3% cash back on gas purchases. But to reap those rewards it’s essential that you pay your Drive Card bill on time and in full each month. Missed or late payments can lead to interest charges credit damage and even account closure.

The good news is Citibank offers multiple convenient options for paying your Drive Card credit card bill online. In this comprehensive guide we’ll walk through the step-by-step process to pay your bill through the Citibank website or mobile app.

How to Pay Your Drive Card Bill Online

Below are the instructions for making a one-time payment on your Drive Card credit card online:

Through the Citibank Website

1. Go to citibank.com and log into your Citibank account.

2. From the account dashboard, select your Drive Card account.

3. Under “Account Balance”, click on “Make Payment”.

4. Enter the payment amount and select the payment date.

5. Choose whether to pay from your Citibank checking or savings account, or another bank account.

6. Review the payment details and click “Continue”.

7. Verify your identity if prompted and submit the payment.

8. You’ll receive a confirmation page and email that your payment was submitted.

Through the Citi Mobile App

1. Open the Citi Mobile app and log into your account.

2. Tap on your Drive Card account.

3. Tap the “Pay Bill” button.

4. Enter the payment amount and date.

5. Select the account to debit for payment.

6. Review the details and confirm the payment.

7. You’ll receive confirmation the payment was submitted.

That’s all there is to it! The payment will typically process in 1-2 business days if submitted before the cutoff time.

Paying the Minimum Due

To avoid late fees, you must pay at least the minimum payment due by the payment due date shown on your statement. The minimum payment is typically around 2% of the outstanding balance or $15, whichever is greater.

When paying online, the system automatically defaults the payment amount to the minimum due. You can adjust this up or down based on how much you want to pay. Paying just the minimum due results in more interest fees over time, so pay in full if possible.

Setting Up Auto Pay

For hassle-free payments, enroll in auto pay through the Citibank website or app. This automatically deducts your balance or minimum due from a linked bank account each month.

To enroll:

• Log into your Drive Card account and access payment settings
• Select the auto pay frequency (monthly is most common)
• Enter the account to debit for payments
• Pick a payment date
• Choose to pay minimum due or full balance

Once established, auto pay will trigger monthly payments without any action needed on your part. You can cancel or adjust auto pay anytime.

Payment Due Date and Grace Period

Your Drive Card payment is due on the same date each month as shown on statements. There is a grace period of at least 21 days to pay the new balance.

As long as you pay your previous month’s balance in full by the due date, no interest accrues on new purchases. Failing to pay in full resets the grace period and incurs interest charges – so always pay on time!

Payment Processing Time

Online payments via Citibank’s website or app are submitted immediately but take 1-2 business days to fully process. Mailed payments take 5-7 days to receive and process.

Ideally, pay at least 5 days before your due date to ensure on-time payment. If paying last minute, phone or instant chat payments process quickest.

Payment Confirmation

You’ll receive a payment confirmation page and email anytime you submit a Drive Card payment online. Save these for your records, and always follow up if you don’t get a confirmation.

You can also view payment history and confirm a payment posted by checking your account transaction activity.

Other Ways to Pay

Beyond the Citibank website and mobile app, here are some other payment options:

• Call Citibank: Make a payment via phone automated system or agent

• Mail a payment: Send a check or money order to the payment address

• Pay at a Citibank branch: Visit a retail location to pay in person

• Schedule a wire transfer: Initiate a funds transfer from your bank

• Use a third party bill pay service: Pay via another app or money transfer service

The online options directly through Citibank are fastest and most secure. But alternative methods are available if you need flexibility.

Avoid Late Fees

To avoid a $20 late payment fee, pay at least the minimum due by the payment due date on your statement each month. Set payment reminders, enroll in auto pay, and pay online at least 5 days early to ensure on-time payment.

If you do miss a payment and get assessed a late fee, you can request a one-time courtesy refund of the fee by contacting Citibank customer service.

Getting Payment Assistance

If you can’t make the minimum payment due, call Citibank immediately to discuss hardship options. Alternatives like a temporary reduced payment plan may be available. Interest and fees continue accruing, but you can avoid account closure.

Only make this request if truly facing financial hardship. Routine late payments will still damage your credit score.

Let Citi Auto Pay Work for You

Setting up automated payments through Citi is the best way to avoid late fees and credit damage. Paying your Drive Card bill takes just minutes each month, but the rewards and benefits make it well worth the effort. Manage your account responsibly by paying online and you’ll reap maximum value from your gas rewards card.