Posted by William Charles on August 5, 2016
Credit Cards

Published on August 5th, 2016 | by William Charles

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Citi Adds Quick Lock Feature For Their Credit Cards (Turn Cards On & Off)

Citi has implemented a new feature for cardholders, it allows them to lock a credit card via their mobile app and online. When a card is locked, it cannot be used. The cardholder can then unlock the card at any stage and it can be used again. This feature is the same as Discover’s ‘Freeze It‘ feature. I’m personally a massive fan of more user controls for credit cards, it’s not unusual that I’ll misplace a credit card somewhere in my house – whenever I do this I always cancel the card and request a new one just in case it’s been stolen. This feature is currently available via Citi Online and the Citi Mobile Apps.

A Citi representative had this to say about the new feature:

Citi recently launched new functionality across a number of channels, including on Citi® Online and on the Citi Mobile® App, which enables cardmembers to protect their account by easily and quickly “locking” their account with a simple tap or click when logged into mobile app or online account if their card is misplaced. The Citi® Quick Lock feature provides peace of mind during an otherwise emotional event, ensuring that no unauthorized charges are made while a card is misplaced. That means, when locked, new charges are blocked while previously approved recurring charges continue without disruption.  Upon locating a misplaced card, cardmembers can simply “unlock” their account just as easily.

quick lock

With Discover and now Citi, I don’t need to do this. Instead I can freeze/lock the card and then unfreeze/unlock it again when I find it. Citi also allows you to create virtual account numbers that can be single use or having other spending limits imposed. I hope more card issuers implement user controls for credit cards like this quick lock feature.

Hat tip to reader Fiby



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silverorchid
silverorchid

Do Citibank still report to the credit reporting services during the freeze?

Chuck

Yes, I think they would still report since the card is open.

Andrew Wiggin
Andrew Wiggin

I really like Citi’s virtual account numbers. I use them for almost anything I do online (or by phone). Unfortunately, I discovered earlier this year that when Citi issues you a new card due to the existing (physical/real) one being compromised, the virtual account numbers don’t transfer. So you have to create new virtual numbers for anywhere that you’re using them for recurring payments.

Citi Card Holder

Andrew Wiggin (nice moniker, love the Ender series): I’ve wondered about this, so thanks for the info.

Very timely too as, just this morning, I discovered my Citi card was compromised and someone with the card number is kicking the tires on it right now by making $1 test purchases at gas stations. My best guess is that the card was compromised as part of the recent Wendy’s hack involving 1,000 of their stores.

Keith
Keith

Discover has had this for quite some time.
Why is taking all the other credit card issuers to have this option?

Chaser123
Chaser123

Banks are fearfull of consumers who keep the card off until they want to make a purchase. Banks like frictionless payment. If you have a locked discover in your wallet and an unlocked amex. You will default to using the unlocked card.

Credit
Credit

Awesome

Manish Gandhi
Manish Gandhi

Cool feature !!

Nick
Nick

Capital One has offered this feature for awhile as well in their “Wallet” app as well

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