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How to add an authorized user to a Citi credit card

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If you want to give your children a strong start with credit or help a trusted family member or friend rebuild their score, you can add them as an authorized user on your Citi credit card.

But be careful. When you add someone as an authorized user, they have access to your credit limit. If the authorized user runs up charges and refuses to pay for them, you will be held responsible for paying off that debt.

This is why Michael Foguth, founder of Foguth Financial Group in Brighton, Michigan, advises weighing the possible downfalls carefully before adding an authorized user. And you should only add an authorized user if you completely trust them.

“It’s all risk and no reward for you,” Foguth said.

Adding an authorized user on a Citi credit card

What is an authorized user?

When you add an authorized user to your Citi credit card, you are giving this person permission to use your credit card. The authorized user will get their own credit card with the same account number as yours. They can then use this card to make purchases using your account.

Depending on the permissions you give them, authorized users on Citi cards can make payments. But they are not responsible for making any payments on your account, even when they make charges.

But creating such an arrangement doesn’t mean your authorized user will follow the rules. Even if you come to an agreement on how the card will be used, there is no law forcing the authorized user to follow it. If the user doesn’t pay up, you’ll have to cover the authorized user’s charges.

See related: How to add an authorized user to a Bank of America credit card

Why add an authorized user?

When you make payments on time each month, they are citi com secure sign on to credit bureaus. As long as you pay on time and keep your balance low, this will strengthen your credit score. Since it will also show up on your authorized user’s credit report, your on-time payments will boost their score too.

Since many young people don’t have any credit, adding your children as authorized users can help them kickstart their credit history.

What are the requirements for becoming an authorized user on a Citi credit card?

You can add anyone as citi com secure sign on authorized user on your Citi credit card. Paychex customer service also imposes no minimum age requirement for an authorized user, so you can add your children to your Citi credit card account while they’re young. Be careful, though: You don’t have to give these children access to any credit card. They don’t need to use the card to gain the credit benefits that come with being an authorized user.

Tip: If you want to boost your child’s credit score, you can add them as an authorized user and not give them the card in their name. They’ll gain the credit benefits without overspending on your card.

How to add an authorized user to your Citi account

Adding an authorized user to your Citi card is a simple process. First, log into your online Citi account. Click on the “Services” tab at the top of the screen. Click on the “Credit Card Services” option that comes up in the dropdown menu.

You can then click on the “Authorized Users” option on the services page. Once you get to the “Manage Authorized Users” page, you can click on the “Add New Authorized User” option. If you have more than one Citi credit card account, you’ll have to choose the account to which you want to add an authorized user. You’ll also have the option to give your authorized user online access to your Citi account.

You then have to provide the authorized user’s information, including their citi com secure sign on and last name, county they live in, date of birth, Social Security number and primary phone number.

See related: How to add an authorized user to a Chase credit card

Is there a fee for adding an authorized user to your Citi credit card account?

There is no fee for adding an authorized user to a Citi card. In fact, you can add up to 10 authorized users at no cost.

Can you set up specific credit limits for authorized users on a Citi card?

Citi doesn’t allow you to set a lower credit limit for your authorized users. If your card’s credit limit is $10,000, your authorized user will have access to that same credit limit.

If your card’s credit limit is $10,000, your authorized user will have access to that same credit limit.

Do authorized users have access to all the benefits of a Citi credit card?

Citi says authorized users have access to the same benefits that primary cardholders have. This includes access to Priority Pass airport lounges and Citi Prestige concierge services. Every purchase your authorized user makes on your card will count toward your rewards point totals, but only you can cash in those rewards

See related: Cards that reward you for adding an authorized user

Can you limit the access your authorized user has to some benefits on your Citi credit card?

You can’t set a lower credit limit for your authorized users or place any spending limits on them. They also can’t cash in any of your rewards points.

What are the pros of adding an authorized user to your credit card?

Adding an authorized user doesn’t help you or your credit. But it can make a big difference in the credit of a child, family member or friend.

“A lot of parents see an opportunity for their kids,” said Xavier Epps, CEO and founder of Washington, D.C.-based XNE Financial Advising. “They want to give their kids a jumpstart before they head off to college. They want them to be in a decent spot when compared to their peers who might not have had that opportunity to be an authorized user. It gives them a head start on their adult life.”

Epps citi com secure sign on parents can add their children as authorized users even when their sons and daughters are too young to use a credit card. The goal here isn’t to give these children access to a credit card. It’s to steadily build them a credit score so food bank of central louisiana when they want to apply for their own cards or loans, they have a credit history that lenders can study.

My wife has her own credit card. My kids have their own credit cards. I have my own credit card. If you don’t do it this way, you are putting yourself at risk.

Howard Dvorkin, chairman,

What are the cons of adding an authorized user to your credit card?

You have no control over how much an authorized user charges to your account. You also can’t force authorized users to pay when they run up charges on your credit card. Remember, if an authorized user racks up a significant amount of debt on your card, you’re the one ultimately responsible for paying it off.

“I wouldn’t do this, to be very candid,” said Howard Dvorkin, a certified public accountant based in Fort Lauderdale, Florida, and chairman of “My wife has her own credit card. My kids have their own credit cards. I have my own credit card. If you don’t do it this way, you are putting yourself at risk.”

If you still want to add authorized users, you should citi com secure sign on spell out how much they can spend and when they must pay you back. You might say that an authorized user can only make $50 of charges a month. You might also agree that authorized users must pay citi com secure sign on enough to cover their charges by the first or last day of every month.

And if your goal is to simply provide authorized users with credit help, you can state that your authorized user isn’t allowed to make any purchases on your Citi card account for any reason. In such situations, you don’t have to give your authorized users a physical copy of their credit card.

“Think about durham region transit careers risk you are taking on,” said Epps. “The risk factor changes based on a relationship. If you have a good relationship with the person you are adding, there’s less risk involved.”

Think about the risk you are taking on. The risk factor changes based on a relationship. If you have a good relationship with the person you are adding, there’s less risk involved.

Xavier Epps, CEO, XNE Financial Advising

How adding, and becoming, an authorized user can affect credit

Authorized users will see a quick benefit to their credit when you use your credit card wisely. If you make your payments on time each month, your authorized users will see a bump in their credit score. They’ll also see their score improve if you keep your credit card’s balance low.

But if you make your credit card payment 30 days late or later, your authorized user’s credit score will take a hit, just like yours will. Your authorized user’s score will suffer, too, if you run up too much debt on your credit card account. So use your card wisely: Charge bb king lucille red you can afford to pay off each month and make those payments on time.

See related: Will adding me as an authorized user hurt my mom’s credit score?

How to remove an authorized user from a Citi credit card

If you are the primary holder of a Costco Anywhere Visa® Card by Citi, you can remove an authorized user online by logging onto your Citi account. If you are the primary cardholder on any other Citi credit card, though, you can remove an authorized user through Citi’s online chat feature or by calling the issuer.

How to take advantage of being an authorized user on a Citi credit card

If you are added as an authorized user, follow the rules the primary cardholder sets up regarding how much you can charge each month and when you must pay the cardholder back. If you don’t, the primary cardholder can drop you from the account. Once this happens, you’ll no longer receive that boost to your credit.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It citi com secure sign on not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Dan Rafter has covered personal finance for more than 15 years for publications ranging from The Washington Post and Chicago Tribune to Wise Bread, and His work has also appeared online at the Motley Fool, Fox Business, Huffington Post, Christian Science Monitor and Time.


How To Find and Use Your Citibank Login

Citibank online banking makes it easy to manage your accounts. If you want to open an account with Citibank or access your existing accounts online, you can do so using your computer or the Citibank mobile app. A simple sign-up process is all that’s needed to access your Citibank account online.

Here’s what this guide to logging into your Citibank account online will cover:

Register for a Citibank Online Account

Go to and click on the “Register” button at the bottom right side of the “Sign On” box. You’ll need your credit/debit card number or bank account number, the primary cardholder’s date of birth and the last four digits of their Social Security number or the ZIP code of the billing address on the account. The website will take you through the steps to register.

Check Out: 5 Best National Banks of 2020

How To Log In to Citibank Online From a Desktop

It’s easy to log in to Citibank online using a desktop or laptop computer. Logging in this way will give you the same functions as using the mobile app on your phone or tablet.

Follow these simple steps to log in to your Citibank online account:

  1. Visit the Citibank login page.
  2. Enter your user ID and password.
  3. Click the “Sign on” button.
  4. Sign out when your session is complete.

Keep in mind that you should never select the “Remember My User ID” option when using a public computer or someone else’s device. When using public computers, clear the browsing data when you’re done. Deleting browsing data and unchecking “Remember My User ID” are vital steps to protecting your personal information and preventing fraud.

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How To Log In to Citibank Online Using Mobile Devices

Logging in to your Citibank account from your tablet or smartphone is quick and easy. You can access your account through a browser just like with a desktop computer, or you can log in using the Citibank app. The Citi Citi com secure sign on banking app is an easier option and gives you faster access by skipping the login process. The app also provides notifications about bank and credit card transactions.

Here’s how to access your account with the Citi Mobile app:

  1. Download the Citi app for your device. You can do this from the Citibank site or from Google Play or the Apple App Store.
  2. Open the app after it has downloaded.
  3. Enter your Citibank online banking login information, including your user ID and password.
  4. Sign out when your session is complete.

Related: 15 Best Mobile Banking Apps and Services

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Recovering Your Citibank Login Password or User ID

If you forgot your Citibank user ID or password, you’ll need your credit card number to retrieve it. If you linked your credit card account to your debit card, you’ll also need your debit card account information. Once you enter the debit card number, you’ll need to provide either the date of birth of the primary cardholder, the last four digits of your Social Security number or the security word that you set up when you registered the account.

Learn: How Technology Has Revolutionized Banking

How To View Your Bank Statement Information

Citibank’s online platform makes it easy to find your account history at any time. For transactions, use the bottom half of your Account Details page. Citibank also offers the Spend Summary, which lets you filter your transactions citi com secure sign on category and time period.

If you want to view images of your paid checks, go to your Account Details page and click on the “view image” link. You’ll find the images next to the check transactions.

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How To Contact Citibank Customer Service

Citibank has several ways to contact its customer service department. If you’re partial to phone calls, you can call at:

  • 1-800-374-9700 in the U.S. or Canada
  • 1-210-677-3789 outside the U.S. or Canada
  • 1-877-693-0372 for individuals who are deaf or hard of hearing

If you’re more inclined to use instant messaging, Citibank has an online chat function.

If you want a more personal touch, you can schedule a meeting with a Citibank banker online. You’ll meet that banker in person at whatever date and time you’ve scheduled.

Benefits of Online Banking

Online banking offers numerous benefits, but perhaps the biggest one is instant access to your account. Instead of having to visit a physical Citibank branch to conduct business, or mail out checks using the postal service, you can do it all on your computer or other devices. Online banking lets you set up automatic bill pay, check your account balance and even schedule a transfer from your checking account to your savings account. As long as you have an internet connection, you can do it all in just a few minutes from wherever you happen to be at the time.

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More on Citibank

More on Using Your Bank Login

Arielle Moscati contributed to the reporting for this article.

Information is accurate as of Nov. 23, 2021. For the most up-to-date information on an institution or its accounts, visit its website.

Editorial Note: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.

Editorial Note: This content is not provided by Citibank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been endorsed by Citibank.


Enroll in Paperless Statements and Letters

To enroll in paperless for your account, start by reading the terms and conditions below. You are agreeing to receive your statements electronically only and some of your legal notices electronically only. If you do not wish to enroll, choose Cancel and deselect the Paperless Statements and Letters checkbox.

Enrollment in Credit Card Paperless Statements and E-Communications

We send cardholders various types of legal notices, including notices of increases or decreases in credit lines, privacy notices, account updates and statements. Currently, we can provide some of these legal notices, including statements, electronically. We are working towards being able to provide all of these legal notices electronically. When we are able to provide all legal notices electronically, we will notify you by email. In the meantime, if you citi com secure sign on to receive legal notices electronically, you will need to monitor both your U.S. postal mailbox and your email inbox for legal notices.

To receive your legal notices electronically, your computer must be capable of printing or storing email, web pages and documents in PDF format and your browser must citi com secure sign on minimum system requirements.

Minimum System Requirements

Your privacy and security are important to us. That is why we require you to use a browser with 128-bit security encryption to proceed with your application. This protection helps to ensure that the information you send and receive will remain confidential.

Getting Paper Copies

If you choose to receive legal notices and statements electronically and then want a paper notice, call us at the number on the back of your card and we will mail it to you.

Cancelling Paperless Statements and E-Communications

You may cancel through account online or by calling us at the number on the back of your card.

Updating Email Address

We will send notifications regarding the availability of your statement online and legal notices to the email address you provided to us until you contact us to change it. It is your responsibility to update promptly any changes in this information. If your email address changes, please update it through Account Online or call us at the number on the back of your card.

Credit Card Paperless Statements and E-Communications Authorization

I agree to receive my billing statements and other legal notices electronically as available. I understand that when I receive an electronic notice it will replace a paper copy. I also understand that I will need to check both my U.S. postal mailbox and email inbox for legal notices until you let me know by email that all drive inn food near me notices will be sent electronically.

You will receive paperless notifications at the email address currently associated with your account.


Citi Bank provides all its financial services on the click of a button. Through its online portal, one can enjoy multiple services without the need of visiting the branch. In this article, we are covering multiple activities related to Citibank online banking. From applying for a bank account to make credit card payments all can be done in a secure way using the steps provided below.

Citibank is a subsidiary of Citigroup which provides financial services. It is an American Company founded in 1812. The company provides different services such as mortgage, credit card, and other investment opportunities to its customers. 

CitiBank Online Login Steps

Step 1: The first step of bank login is to use the right web browser. We recommend Chrome for Windows and Safari for Apple users.

Step 2: After opening the browser use the “” URL to visit Citi Bank Home page.

Step 3: There is a login space provided on the right section of the page.

Step 4: Add your User ID and Password in their respective boxes.

Citi Bank Login

Step 5: Check the “Remember my User ID” box. However, this step is not recommended for those using public systems.

Step 6: Click on the “Sign On” button highlighted in blue. 

You can also use the above-given steps for Mortgage login.

How To Register for CitiBank Online Banking

Step 1: Go to the Citibank website using the URL provided in the above login section.

Step 2: Find and click on the “Register for Online Access” link placed below the “Sign On” tab.

Step 3: Provide your Credit or Debit Card number in the first box. If you do not have any of the said cards click on the “Bank Account Number ” and add your account number in the box.

Step 4: Click on the “Continue Set Up”  button placed below the box.

Step 5: Now in order to verify yourself add the last 4-digit of SSN. If you did not open your account using SSN check the box saying “I did not open my account…” link and provide your ITIN/FTIN or Date of birth. 

Step 6: Complete the remaining process to create user ID and Password.

Citi Bank Mobile Banking

Citi Bank accounts can also be accessible through your smartphone. You can use a web browser or the dedicated mobile app to log in to your account. We are providing the link to the app for both Apple and Android users in the below section. If you are using the mobile’s web browser you can use the login steps given in the above section.  

How to recover a forgotten username or Password

Step 1: Click on the “Forgot User ID?” link placed below the “Sign On” button. Jump to step 5 to reset a forgotten password

Step 2: Add your Debit/Credit Card number in the box and click on the “Continue” button and complete the rest of the process.

Step 3: For Mortgage account holders first click on the Second link after step 1 and add your email address. Then click on the “Continue” button.

Step 4: If you have only the “Certificate of Deposit” account choose the third link after step 1 and click on the “Continue” button. On the second page provide your Account Number and Date of Birth and again click on the “Continue” button. Complete the rest of the process as instructed by the screen to recover your user ID.

Step 5: Once you are on the homepage of the Citi bank’s portal click on the “Forgot Password?” link placed under the Sign On” button.

Step 6: Now the remaining process is the same as for the User Id recovery. First, choose the type of your account from the given option.

Step 6: Add the asked information and click on the “Continue’ button. Complete the remaining process by following all the instructions given on the page.

Citi Credit Card Login

If you are the Citibank’s Credit Card owner, use the given below steps to access your credit card account online.

Step 1: Open a new tab in your web browser.

Step 2: Copy and paste “” URL in that tab and hit enter. 

Step 3: Once the page opens click on the “Sign On” button placed on the top right side of the page.

Step 4: Add your User ID and Password in the space provided.

Step 5: Click on the “Sign On” button to complete the verification process. In case you are wondering about the “Remember my User ID” checkbox placed above the Sign-On button it’s only to make your future log in a bit fast. We advise you to leave this option as it is if you are not on your personal device/system.

Citibank Credit Card Activation Steps

Step 1: Go to the Citi Bank’s credit card portal using the URL provided in the above Credit Card Login section.

Step 2: Click on the “Activate a Card”  placed under the Sign-On button.

Step 3: Add your card number in the box.

Step 4: Click on the “Continue” button.

Step 5: Complete the rest of the process.

Citi Bank Credit Card Bill payment

There are three ways to pay your credit card bills.

Using Online Account – Access your Credit Card account online using the steps provided in the above section. After login, you can make payment for your current dues.

Through Phone – You can also call on 1.800.950.5114 to connect to the Bank’s representative and initiate the payment process.

By Mail – Use the given below address to post your payment. Remember to write your account number on the Check. 

Regular Mail: P.O. Box 9001037 Louisville KY, 40290-1037

Overnight Mail: Citibank Express Payments 6716 Grade Lane Building 9, Suite 910 Louisville, KY 40213

Citibank Credit Card Application

To apply for the CitiBank Credit Card first visit the Bank’s homepage and follow the steps given below.

Step 1: Hover the cursor on the “Credit Cards” link placed on the top left side of the page under the “Citi” icon.

Step 2: Now on this page compare different cards on offer by the bank and click on the “Learn More & Apply” button placed under the chosen card.   

Step 3: Find and click on the “Apply Now” button.

Step 4: Add all the personal and financial information asked by the page. 

Step 5: Accept all the Terms and Conditions.

Step 6: Click on the “Agree & Submit” button placed at the bottom of the page. 

Bank will contact you once your application gets approved.

Citibank Routing Number and Swift Code

To make an international wire transfer to your bank account use SWIFT code CITIUS33. To know about the CitiBank Routing Number please contact the customer service phone number provided at the end of this article. 


CitiBank Android / iPhone app

You can text “App” to 692-484 or install the app using the link provided below. 

To Install the Citi bank mobile app on Apple devices click here ‎Citi Mobile® on the App Store

To install the app on your Android device/tablet click here Citi Mobile

Citibank Branch Near Me

To locate the branch nearest to you use the steps given below.

Step 1: Open the homepage of CitiBank.

Step 2: Click on the ATM/Branch link placed on the top right of the page.

Step 3: Enter the desired location in the box provided and click on the “magnifying glass icon” to initiate the search.

Citibank Customer Service

To open an Account  – 1.800.374.9700

Apply For Credit Card – 1.877.645.3708

Categories Online Banking LoginИсточник:

For the last 6 or 8 months, the biggest headache with any credit card is signing on with CitiBank. I/we have 2 branded Citi cards, a Costco Visa and Citi-backed Wawa and Home Depot (actually 2 HD cards mine and the DW's). Every single time we try to log on to Citi to pay a card our "information" is incorrect either the username or the PW and this happens for all of these cards and every month we get logged out and have to call to get the account reset, every month we get a new username and a new password, but it doesn't matter because next month it'll be the same song and dance. 


Tonight we changed ALL of our Citi Cards back to paper statements and frankly, I/we are probably going to close all of the cards other than one HD card. 


I have not seen any threads on these forums about folks having an issue signing on with Citi, so I guess its just me.  I'm thinking that when at some point "advanced security measures" gets to the point that getting access to my accounts is such a pain that I stop using that account and close the cards, "security" may have just gone too far. 


Note that between the DW and me, we have probably 40 online accounts (checking accounts, credit cards, tax accounts, retirement accounts, investment accounts, etc) - Citi is the only one we have issues with.    


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Your Citi Credit Card statement is now available for you to view online. Here are some key pieces of information from your statement:

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If you have questions about your account, please use our secure message center by signing on at and choosing "Contact Us" from the "Help / Contact Us" menu. You can also call the customer service phone number on the back of your card.

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