- Nov 5, 2015
Can confirm thisNope, that's not what's going on. Citibank's archaic systems block you from doing anything new for 24hrs after you've cancelled a payment. Call it an anti-spam flooding measure if you like. It's undocumented and you won't get any acknowledgement of it existing from their CSR either, but it exists. This is why the advice is that if you want to cancel any scheduled payments, then make those cancellations the very LAST thing you do after you've set up the new ones, because once you cancel, you'll be locked out of doing anything more until tomorrow.
There are other 1 day lock outs for doing other things too. For example I transferred some money into my credit card to lift the available credit to an amount that would enable me to execute an FPO cash out to get a cheap eGift card. Doing that locked me out of starting that FPO until the next day too. Citibank's systems need to do a reconciliation 'reset' overnight before a lot of things will be allowed, but unless you work for the Citibank back office or are their IT person, you won't ever find a documented list of what all these triggers are. You only find out about them when you accidentally trigger one and suffer the 1 day lock out yourself.
Another particularly annoying lock-out trigger they have is the addition of a new payee. To any normal way of thinking, the only time anyone would want to add a new payee is when they actually want to USE that payee to pay money to immediately. Unfortunately Citibank's batsh!t systems are so utterly cough that adding a new payee will lock you out from using that new payee until the next day with an "error" that says FG1441. When you interrogate their CSR to explain what FG1441 means, they just feed you some BS scripted cough about fraud and security and health & safety and privacy and inclusiveness and climate change and same-sex marriage and whatever other wokist cause-du-jour they can come up with to deflect from the fact their systems are too cough to deal with more than one request every 24 hours.
You can sometimes reset the lock-out by logging out and back in again, but this doesn't work more often than it does. You can also force them to reset it if you can get transferred to the Security & Fraud Team who seem to hold the keys to this lock-out system, but it's actually impossible to talk to anyone in the fraud team directly. No CSR will ever put you through to this mysterious team. If you really ramp up the agro to DEFCON 11 and threaten a case with AFCA, someone will eventually clear to lock-out and clear the path forward… but, be warned, it will take at least an hour on chat or the phone before you can get to this.
I agree 100% with the theme of this comment. I have also had bad experiences with them that were totally citibanks fault. Never apologised. Throughout my dealings with them I realised their systems were utterly useless and now when i spot a loophole with them I go for gold with not a shred of guilt. I actually find it motivating.Not even threatening AFCA will get Citibank to act often times. Last Wednesday very early morning I had reason to contact Citibank online chat about something. When the CSR had agreed that my argument was valid and apologised endlessly, as is their wont, he told he would get a case manager to call me to resolve the issue. He said this would happen in 2-3 days, because literally everything takes Citibank at least 2-3 days to organise. Helpfully I said that's fine and in that case, could we count Wednesday as day 1 and that therefore I should expect a response before CoB on Friday, as that would be the end of day 3. He duly agreed that would be the case. I said fine, I will patiently wait until the end of Friday, but if no-one called me, I would then write the AFCA case claim on Saturday. You would think that sort of a comment would prompt a reaction wouldn't you? Nup.
Of course no one called, I never imagined for a minute they would, so the AFCA claim got lodged this morning. I then helpfully opened a chat with Citibank again and gave them the lnk to the case for them to get a head start on it before it comes direct from AFCA. That too prompted much apologising and more promises for a case manager to call me urgently… to no avail whatsoever. Citibank are utterly hopeless and beyond redemption. They deserve to be taken for all they're worth by everyone hammering them for all these offers as hard as they can.
Turns out I was exceeding my monthly limit because I was trying to set up new payments for months that I had already set up max payments. Just a mix up of the dates that resulted in overlapping payments. All good from now until 2031.I tried to amend a payall payment by a few days, cancelling the one in place. Now it won't allow me to add a new payment:
" ! Payment Unsuccessful - You have reached the maximum monthly limit allowed for the selected category"
Doesn't seem to matter what category or payee I use, same message. I'm doing only two payments per month totalling $13k on a $15k limit card, so I'm well within all the transfer and category rules.
Hard not to conclude that they're blocking the set up of obviously fabricated payments.
You are right, I actually did do 6 months. I am clearly not paying attention, and i now have $9600 in this instalment scheme, and combined with a flurry of Payall transfers yesterday I am now $1500 over my limit. Its messy, but it all looks after itselfIf done only for the Coles gift cards, may I ask why you went for the 12 month payout instead of 6? Unless I'm mistaken in how the scheme works, it does seem like the fee for 6 month payoff is a lot less than for 12 month
I also setup calendar reminders for 16 weeks. I have found the GCs usually turn up in the 14 - 15 week time range.I set calendar reminders for when to chase the gift cards based on the 16 week period they say it takes to send them from the date of Quick Cash payment. 16 weeks is such a ridiculous time frame, I knew right from the getgo it would require calendar reminders to chase when they inevitably don't turn up. The time is so long they're clearly budgeting on people forgetting about them and not chasing.
I do transfer weekly to bank account, and BPay it back as soon as the money into my bank account. Up to $35000 per month.
Just received Oct statement which reveals I have been credited my 210,000th point since Apr this year when I started on this gravy train. 210,000 points in 6 and a bit months confirms there is no 200K ceiling cap on bonus points earn via PayAll in a calendar year.
No change that I can see. Points earned through PayAll now sitting up somewhere around ~340KHas there been any change to this (i.e. are you still earning in excess of 200K a year)? I have the Citi Premier Qantas which seems to have a stated max of 100K points were year.