I have mailed in payments twice and it is taking nine to ten days to post. Then they charge a late charge. I take this to be a scam and it fouls up people's credit ratings. My third payment is my final payment. I will never use a CitiBank card again. I am waiting for my final statement which will no doubt have a late charge since it has been 8 days ago -- one day past the due date and my check has not cleared my bank. Shoddy business is not the word. read full review »