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In addition, you have the flexibility of paying either the full balance or just the minimum ...If you're looking to pay off your debt faster and avoid interest fees, The Citi Diamond Preferred credit card is a perennial favorite. Check out our full review.If you miss a credit card payment and catch the accident quickly (within 30 days of the due date), you may be able to pay it with a late fee without the late payment being reported to credit bureaus. However, if you miss the payment by over 30 days, your creditor can report it, impacting your overall credit score.Citibank.com provides information about and access to accounts and financial services provided by Citibank, N.A. and its affiliates in the United States and its ... get details. 1-800-627-3999 (NY metro area) 1-800-274-6660 (other areas)May 23, 2023 · Worry about fees : Another benefit that makes the Citi Simplicity card unique is that Citi won’t charge you late fees. 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