The Best Buy Credit Card Payment Phone Number
The phone number to pay your Best Buy credit card is 1-888-566-5050. This line is run by Citi, the bank that issues the card. You can call this number to make a one-time payment, set up automatic payments, or ask questions about your account. The line is open Monday through Friday, 8 a.m. to 11 p.m. Eastern time, and Saturday and Sunday, 10 a.m. to 8 p.m. Eastern time.
When you call, have your card number and the amount you want to pay ready. The system will ask you to verify your identity before processing anything. If you are calling outside business hours, you can leave a message, but your payment will not go through until someone on the other end processes it — so calling during business hours is faster if you need the payment recorded quickly.
Key Takeaways
- Call 1-888-566-5050 to pay by phone; the line is staffed Monday through Friday 8 a.m. to 11 p.m. Eastern and Saturday and Sunday 10 a.m. to 8 p.m. Eastern.
- Have your card number and payment amount ready before you call, and be prepared to verify your identity.
- Payments made by phone usually post to your account within one to two business days, depending on when you call and how the payment is processed.
- If you prefer not to call, you can also pay online through the Citi website or set up automatic payments to avoid missing a due date.
What Information You Need Before Calling
Before you dial, gather your Best Buy credit card number and your Social Security number or the last four digits of it. You will also need to know how much you want to pay — whether that is the full balance, the minimum payment, or a specific amount. If you are calling from a phone number different from the one on file with your account, the system may ask additional verification questions.
If you are paying someone else's card or calling on behalf of an authorized user, have that person's information ready as well. The system will not process a payment without confirming the cardholder's identity first.
How Long It Takes for the Payment to Post
A payment made by phone typically posts to your account within one to two business days. If you call early in the day, it may post the same day or the next morning. If you call late in the evening or on a weekend, expect it to take longer — the payment will be processed during the next business day.
This matters if your due date is coming up. If you are close to missing a payment important date, calling is faster than mailing a check, but it is not instantaneous. If your due date is tomorrow, calling today may not prevent a late fee. In that case, ask the representative whether the payment can be expedited or whether the late fee can be waived given the timing.
Setting Up Automatic Payments Over the Phone
When you call, you can ask the representative to set up automatic payments from your bank account. This means your payment will be deducted automatically on a date you choose each month — usually your due date or a few days before it. You will need your bank account number and routing number to set this up.
Automatic payments reduce the risk of forgetting a due date and incurring a late fee. You can change the amount or the date at any time by calling back, and you can cancel the arrangement if your situation changes. Some cardholders set up automatic payments for the minimum amount and then pay extra by phone or online when they have the money.
Other Ways to Pay Without Calling
If you do not want to call, you have other options. You can pay online through the Citi website by logging into your account and selecting the payment option. You can also pay through the Best Buy mobile app if you have it installed. Both routes let you make a one-time payment or set up automatic payments, and both are available 24 hours a day.
You can also mail a check to the address on your statement, though this takes longer — typically five to seven business days for the payment to post. If you are paying in person, Best Buy stores do not accept credit card payments at the register; you must use the phone, online, or mail.
What to Do If You Cannot Reach Anyone
If the phone line is busy or you reach an automated system that does not help, you can try calling back during a different time of day. The line is usually less crowded early in the morning or mid-afternoon on weekdays. You can also visit the Citi website and look for a chat option or a callback request — a representative will call you back instead of you waiting on hold.
If you are having trouble with the automated system, pressing zero or saying "representative" usually connects you to a person. If you have a complex question — for example, if you are disputing a charge or asking about a hardship program — a representative can help you better than the automated system can.
Frequently Asked Questions
Can I pay my Best Buy credit card at a Best Buy store?
No. Best Buy stores do not accept credit card payments at the register. You must pay by phone, online, or mail. The phone number is 1-888-566-5050, and the online portal is through the Citi website.
What if I do not have my card number memorized?
You can still call. The automated system will ask you to verify your identity using your Social Security number or other personal information, and it can pull up your account that way. Have your Social Security number or the last four digits of it ready.
Is there a fee for paying by phone?
No. Citi does not charge a fee for phone payments on the Best Buy credit card. The only cost is the payment itself. Some third-party payment services charge fees, but calling the official Citi number does not.
Can I pay more than the minimum to pay off my balance faster?
Yes. When you call, you can pay any amount up to your full balance. Paying more than the minimum reduces the interest you owe and helps you pay off the card faster. There is no penalty for paying early or paying more than required.
What happens if I miss my due date?
A late fee will be added to your account, usually between $25 and $35 depending on your account history. Your interest rate may also increase. If you realize you have missed a due date, call when ready to make a payment. Some representatives can waive a first late fee if you have a good payment history.