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Citi® Identity Theft Solutions

Free security features come with every Citi card because guarding your personal information is our top priority. Learn more



Late Payment

Most charge and credit card bills list the date by which payments are due. If you miss the due date, the account is considered past due and you may be charged a late fee. Late payments may be reflected on your credit report. If you have paid late numerous times, it may be difficult to get additional credit.

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Late Payment Fee

A fee charged for failing to submit the minimum monthly payment by its due date.

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Legal Judgment

A court verdict that requires a person to do something, such as pay a debt.

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Liability is the responsibility for a loan or credit account. When applying for credit, a Cardmember agrees to be liable for any charges to his or her account, including purchases, fees and interest charges. Your liability is described in the Cardmember Agreement you receive from the issuer.

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