Where to send your Firestone credit card payment
Firestone credit card payments go to Citi, the bank that issues the card on Firestone's behalf. You can pay online through your Citi account, by phone, by mail, or in person at any Firestone location. The fastest route is online — payments post within one business day — but all methods reach the same account.
Your payment address and account number appear on your monthly statement. If you have lost your statement, log into your Citi account at citi.com or call the customer service number on the back of your card to find the mailing address and confirm your account details before sending a check.
Key Takeaways
- Firestone credit card payments are processed by Citi, not by Firestone directly, so you pay through Citi's online portal, phone line, or mail address.
- Online payments through your Citi account post within one business day and carry no fee, making them the fastest option.
- You can also pay over the phone by calling the number on your card, by mailing a check to the address on your statement, or in person at a Firestone store.
- Your minimum payment and due date appear on your monthly statement; paying only the minimum leaves you carrying a balance at the card's interest rate.
- Late payments trigger a fee and can damage your credit score, so setting up automatic payments prevents missed due dates.
Paying online through your Citi account
Log into your Citi account at citi.com using your username and password. If you do not have an online account yet, you can create one by entering your card number and the last four digits of your Social Security number. Once logged in, select your Firestone card from the list of accounts and choose "Make a Payment."
Enter the amount you want to pay and the date you want it to post. Citi allows you to pay when ready or schedule a payment for a future date. The payment will post to your account within one business day if you submit it before the cutoff time (usually 8 p.m. Eastern). There is no fee for online payments, and you can pay as much or as little as you want above the minimum.
Paying by phone or automatic payment
Call the customer service number on the back of your Firestone card to speak with a representative who can process your payment over the phone. Have your account number and the amount you want to pay ready. Phone payments post within one to two business days and carry no fee.
To set up automatic payments, log into your Citi account online and select "Autopay" under your account settings. You can choose to pay your full statement balance, a fixed amount, or just the minimum due on your due date each month. Automatic payments remove the risk of forgetting a due date and triggering a late fee. You can change or cancel automatic payments anytime through your online account.
Paying by mail or in person
Write a check or money order payable to Citi and mail it to the address shown on your statement. Include your account number on the check so the payment reaches the correct account. Mail payments typically take five to seven business days to post, so send your check at least a week before your due date to avoid a late fee.
You can also pay in person at any Firestone Complete Auto Care location. Bring your card or account number and the amount you want to pay. In-store payments post within one to two business days. Not all Firestone locations accept credit card payments, so call ahead to confirm your local store offers this service.
Understanding your statement and due date
Your monthly statement shows your current balance, minimum payment due, and due date. The due date is typically 21 to 25 days after your statement closes. If you pay only the minimum, the remaining balance carries over to the next month and accrues interest at your card's annual percentage rate (APR), which varies based on your creditworthiness and current promotions.
Paying your full statement balance by the due date means you owe no interest. Paying more than the minimum reduces the interest you owe on the remaining balance. If you miss your due date, Citi charges a late fee (typically $25 to $40 for the first late payment) and may raise your interest rate. A late payment also appears on your credit report and can lower your credit score.
What to do if you cannot pay on time
Contact Citi as soon as you know you will miss a payment. Call the number on the back of your card and explain your situation. Citi may be able to defer your payment, extend your due date, or work out a payment plan, though this depends on your account history and the reason for the hardship. Asking before you miss a payment is better than paying late, because it may prevent a late fee and credit report damage.
If you are carrying a large balance and struggling with the interest rate, you can request a lower APR by calling customer service. Citi considers your payment history and credit score when deciding whether to lower your rate. You can also transfer your balance to a different card with a lower rate, though balance transfer fees typically range from 3 to 5 percent of the amount transferred.
Frequently Asked Questions
Is there a fee to pay my Firestone credit card online?
No. Citi charges no fee for online payments, phone payments, or automatic payments. Mail and in-person payments also carry no fee. You only pay interest if you carry a balance past your due date.
How long does it take for my payment to show up?
Online and phone payments post within one to two business days. In-person payments at Firestone also post within one to two business days. Mail payments take five to seven business days, so send your check well before your due date to avoid a late fee.
What happens if I pay late?
Citi charges a late fee (typically $25 to $40) and may raise your interest rate. The late payment appears on your credit report for seven years and can lower your credit score. Paying even one day after your due date triggers these consequences, so set a reminder or use automatic payments to stay on time.
Can I pay my Firestone credit card at a Firestone store?
Some Firestone locations accept in-person credit card payments, but not all. Call your local Firestone store to ask whether they offer this service before you visit. Online or phone payment through Citi is faster and available anytime.
What is the difference between my statement balance and my current balance?
Your statement balance is what you owed on the date your statement closed. Your current balance includes charges you have made since then. You can pay either amount, but paying your full statement balance by the due date means you owe no interest on those charges.