When there is an excess credit balance on your Citi credit card, the card account balance will reflect as a negative balance.

The excess credit balance could be due to multiple reasons, such as:

If no action is taken, this excess balance gets adjusted against future purchases on your card account. To claim a refund of the excess balance or to transfer the excess balance to another linked Citi Credit Card or linked Citibank account, please contact our 24*7 CitiPhone helpline on 1860 210 2484 (within India) or +91 22 4955 2484 (from outside of India). The credit to your account may take up to 3 working days from the time of refund initiation.

Points to note:

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