When you are paying with your CITI bank credit card, a process is involved. Before this is done however, the user id and password need to be entered into the system. Once this is done, the transaction can then proceed. The following is more information on how this works.
A CITI Bank user id and password are needed for this type of transaction. This is a security feature in place at all times. If you have ever had an E-check card, then you know what this is. It is a process that allows a person to enter in their check card information and see if there are any balance issues that need to be addressed. Once the user id and password are entered into the system, the transaction can now proceed.
A CITI Bank card payment is sent to the user's email account. The user then enters in the details and the payment is done. This is the best way to make a payment when you need money immediately. The process is much faster than making a bank wire payment. This is because there is no need to wait for funds to clear as the transaction occurs.
When a CITI Bank card holder makes a purchase, they are actually making a deposit into their bank account. This is done through E-check payments. The E-check will then record the sale as an electronic entry. The electronic entry will then be sent to the banking institution. The institution will then electronically transfer the amount of the sale to the account of the card holder.
As for the email address for the account, it should be a valid email address. This is because a bank cannot process payment if the email address used is not legitimate. The email address has to be the one given by the financial institution. Once the payment clears and the transaction is completed, the customer will be notified via mail or phone call.
If a CITI Bank card holder is diligent about monitoring the bank statements and keeping track of their spending, they should have no problems with their credit card transactions. They should be able to easily make changes in their credit card spending by contacting their bank immediately. They can also contact CITI to make changes to their accounts. This is very easy as long as the information provided is correct. Otherwise, the transaction may not go through as planned.