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Three Quick Questions and Answers

Three Quick Questions and Answers

Q: What's the quickest way to get a credit balance refund?

A: You can request credit balance refunds up to $5,000 online. This process will direct-deposit funds into your checking account within 2-3 business days (instead of the 15 business days it would take to mail a check). Just follow these steps:

1. Log in to
2. Select the Statement tab.
3. Select the Request Refund Tab.
4. Check your refund eligibility.
5. Enter the amount you’d like refunded.
6. Enter your account information (where funds should be deposited).
7. Confirm your request.


Q: What is “Bulk Maintenance”?

A: Bulk Maintenance is any maintenance item submitted in “bulk” – that is, more than one account having a Credit Limit Increase, Hierarchy Transfer, etc.

Bulk Maintenance requests can be submitted online or directly to Citi for processing. For online requests, just follow these steps:

1. Log in to CitiDirect
2. Select Web Tools and access the CitiDirect Card Management System (CCMS)
3. Select the Card Management tab
4. Select the Account Management tab
5. Select either Bulk Account Maintenance or Bulk Account Maintenance-Upload and:
a. Bulk request through CitiDirect Card Management System (CCMS)
b. Upload form through CitiDirect Card Management System (CCMS)

CitiManager’s Bulk Maintenance is automatic and does not require manual intervention. An APC can also submit a Bulk Maintenance request directly to Citi for processing; note that these requests are keyed manually and may take longer to process.


Q: How does the dispute process work?

A: There may be several reasons for disputing a transaction. Maybe you’re not satisfied with goods or services provided. Or maybe you don’t recognize the merchant or charge.

In all cases, your first course of action is to contact the merchant and try to resolve the dispute directly. If you’re not successful, there are specific steps to follow to initiate a dispute through Citi. 

For a detailed overview of types of disputes and steps to initiate a dispute, please refer to the Transaction Dispute Guide on CitiManager for the Department of Defense. To find the Transaction Dispute Guide:

1. Log in to
2. Click the link that reads “For DoD forms and resources, click here
3. Click the APC Guides tab
4. Select Transaction Dispute Guide.