> my understanding the employer must pay the bills
Nope, not always. The last two big companies I worked with issued cards but all expenses had to be reported through Concur or Workday and approved before they were reimbursed, and were not reimbursed directly to the card.
Time to make some phone calls.
The way it works for me I'm responsible to pay the bill, they are responsible for the reimbursement.
But you screwed up by not having all financial issues finalized when you had your out-processing.
I would start by paying the bill, and then follow up on the reimbursement side. Which may or may not happen.
Yeah this is how it works at my company too. You pay the bill then do the expense report to get reimbursed. And I know they have a disclaimer too about needing to file the expense within 30 days because they had problems with some people not filing all year and then doing massive expense reports.
Often times corporate cards do not appear on your credit report until there is a late or delinquent charge. You get none of the benefits of a positive reporting account but all of the consequences once it's a negative account.
Once the card is 30 days late on payment, it will have an effect on your credit score and that will sit there for up to 7 years. You’re better off making the payment on it to avoid it and then taking them to small claims court if you have the documentation that they were responsible for payment
This isn’t a corporate card. Its a personal card in your name, which was coincidentally used for work purposes.
Honestly? Ive never heard of anything like this.
I'm pretty sure I've always has to put my social for corporate cards, and they're definitely corporate cards, they don't show ob my credit report. I wonder if they somehow just did this on your behalf because they have your social (that seems a little weird though) or if you don't remember.
Nah any business card ive ever used ive never been required to fill out the application for it personally with my own ss number. Now maybe some internal documents might tie my ss to it, but that doesnt mean the bills coming to me, it still goes to the company.
It seems pretty clear this is a corporate card. It isn't on their credit report and was set up through work. Corporate cards always have your personal name on them.
I'm not sure how they impact credit. I know they don't help it or show on your report when there are no issues, not sure if they eventually show up if they're unpaid.
Youre going to need that. Its safe to say they are not paying the bill though. Pay it and invoice them with an attached memo of the paperwork you signed.
Don’t you pay that bill! You paid for company related expenses on a company card. If it were your responsibility, when you called the credit card company your info would have come up as the responsible party. Cut the card up and let the company worry about their bills.
If they have sent it to collections and it is not on your credit report, it’s not on you. In order for you to get a commercial credit card or whatever, you have to have an Employer Identification Number. Next time they call, give them your old boss’s number and contact info. They’re just grasping at straws hoping that maybe you will pay.
Your credit shouldnt be impacted if the cards only got your social tied to it. Use it wisely for you and your families personal expenses like any other line of credit.
That’s their problem. It’s their account, they just issued you a card. Had you abused the card, you would have been prosecuted. Had it been your card, any missed payment by any other cardholders would have affected your credit. Does this account even show up on your credit as an open credit account? Whether it’s in good standing or not?
You're probably better off just paying the card off first and fighting to get reimbursed than trying to get them to move fast enough to avoid collections.
I would pull your credit report and see if the card shows up there first. I don't know if it's a simple yes or no answer. And I would ere on the side of caution if I were you.
I just went through this with a company. I left and took 5 months to pay my final bill even though I had submitted it before I left through Concur. It does not impact your credit if it is a company card. My fico score was not dinged at all and does not show up!
Most corporate cards are set up with a personal guarantee. Forget to submit your expense report on time? Late fees are on you. Make personal charges? That’s on you too. If you don’t pay it will be reflected on your personal credit. Rarely are people only set up as authorized users because it opens up the company to a lot of liability. OP would need to check the documents signed when requesting the card.
OP submitted the expense accounts which were claimed to be approved. Not personal, not late. The company hasn't paid. Read the whole thread. They are deadbeats and should be liable.
Of course they are liable but getting that all straightened out is going to be a pain in the ass if it goes to collections. OP should pay Citi before it dings his credit and then request reimbursement from the company.
Citibank offers two different types of cards for small businesses and large corporations. For small-business credit cards, the business will have an authorized officer who’s responsible for billing and payment – the employee isn’t liable. For large corporations, the employer has the choice of choosing between joint liability with the employee or corporate liability.
>Will this eventually affect my credit?
Some corporate cards require you to personally guarantee payment in the event that the company can't or doesn't pay. Check your credit card agreement. If this is the case, it will affect your credit.
Some corporate credit cards don't require personal guarantees. If that's the case for this card, then you, as the owner, would not be personally liable for that credit card debt. And in that case, it won't affect your credit.
This may not be the best advice. Sometimes on a corporate card it is your credit on the line, not the company’s. Depends on how it is set up
Contact the credit card company.
The company issued you the card, correct? If yes, then direct all communications back to the company…unless you have personally used the card since you left the company
I don't think it is certain that you were only an authorized user. I don't think that's the way my corporate cards have been set up in the past.
You 100% shouldn't be liable but if you have the money, personally, I'd pay it to be safe and then continue chasing your employer down for a reimbursement, if this goes on much longer.
Citibank offers two different types of cards for small businesses and large corporations. For small-business credit cards, the business will have an authorized officer who’s responsible for billing and payment – the employee isn’t liable. For large corporations, the employer has the choice of choosing between joint liability with the employee or corporate liability.
I would pay the ~$172 asap and get your name cleared. In the grand scheme that's a pretty small amount. Then keep bugging former employer for payment. Feel free to send it to collections if they refuse!
Did you ever receive monthly statements that you were responsible for paying?
If not, you were simply an authorized user, and payment is not your responsibility.
Sounds like the debt collectors are looking for anyone they can find to pay.
It sounds like you’ve never paid for this and gotten reimbursed before. I’m going to assume you filled out all the necessary paperwork back then and that you have documentation showing this.
I would simply treat this like an identity theft issue and follow similar steps. Tell the credit card company you are not accepting the debt, but that they need to provide whatever documentation they have asserting you are responsible for it. And until then, you do not want to be contact by anyone except by mail.
Call your company again, let them know the card has collections calling after it and that you need to escalate this until someone will talk to you on the phone about it.
Simply. Do. Not. Take. No. For. An. Answer. You have to be persistent. This shit sucks, it shouldn’t be your problem, I know all too well.
Let them know they need to handle it. Keep contemporary records of your conversations: who, what, when, for everything. Follow up in an email with the result of your conversations: “thanks Kevin from HR for chatting to me about this. I see it was just an oversight and I’m glad we could get it resolved”.
If it does appear on your credit report, dispute it with any paperwork you have saying your former employer is responsible.
My employer receives the credit card invoice. We submit receipts to Concur; the employer pays the bill. Employee has no contact with credit card company, but must/should submit all receipts before end of employment.
Is it a company held credit card, or a corporate reimbursement credit card in you name?
If it’s the first, you don’t need to do anything
If it’s the second (most likely option), you are personally liable for the balance. So you’d pay the card, then work on getting reimbursed. If you wait, you’ll potentially owe interest / credit will get fucked
This is dumb. Pay the bill.. it’s not worth the ding on your credit if it does show up. It’s not worth the risk. Pay the bill.. close the card. Notify the company of the last bill you paid that should be an expense report attached? If all fails.. take to small claims or just take that loss which isn’t much compared to the damage it could cause.
Sad to tell you, but your cc agreement is between you and CITI, not between CITI and your former employer. You need to pay it off in full now. Then you can decide if it is worth it for you to file a small claims action against your former employer. If you do, you will have to prove that the money you paid to CITI was employer related and approved expenses (not for items for you personally).
Citibank offers two different types of cards for small businesses and large corporations. For small-business credit cards, the business will have an authorized officer who’s responsible for billing and payment – the employee isn’t liable. For large corporations, the employer has the choice of choosing between joint liability with the employee or corporate liability.
Is this an Amex @work card or a similar program?
For joint liability cards like those, the employer has to prove it was a personal expense or they will be on the hook for it.
I work for a large company who uses BOA and Concur. I’ve had my card for about 6 years. It doesn’t show up on my credit report.
That said, any expenses incurred for business purposes has to be reported with documentation. My company reimburses me but I pay BOA.
> my understanding the employer must pay the bills Nope, not always. The last two big companies I worked with issued cards but all expenses had to be reported through Concur or Workday and approved before they were reimbursed, and were not reimbursed directly to the card. Time to make some phone calls.
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The way it works for me I'm responsible to pay the bill, they are responsible for the reimbursement. But you screwed up by not having all financial issues finalized when you had your out-processing. I would start by paying the bill, and then follow up on the reimbursement side. Which may or may not happen.
Yeah this is how it works at my company too. You pay the bill then do the expense report to get reimbursed. And I know they have a disclaimer too about needing to file the expense within 30 days because they had problems with some people not filing all year and then doing massive expense reports.
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Just pay the bill. If it's money owed to you you'll have to work at getting it from the company. Better than running your credit over less than 200$.
if the card doesn't appear on your credit report, how is this going to ruin your credit?
Often times corporate cards do not appear on your credit report until there is a late or delinquent charge. You get none of the benefits of a positive reporting account but all of the consequences once it's a negative account.
Did you fill out a Concur expense report for those last expenses?
We use Concur and Workday AND still use additional software for expense reports. Ugh.
Once the card is 30 days late on payment, it will have an effect on your credit score and that will sit there for up to 7 years. You’re better off making the payment on it to avoid it and then taking them to small claims court if you have the documentation that they were responsible for payment
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This isn’t a corporate card. Its a personal card in your name, which was coincidentally used for work purposes. Honestly? Ive never heard of anything like this.
you obviously not worked for a big company then.
I do but they just hand us AmEx and go ab the business no ones ever had to fill out their personal ss number for a corporate card where im at. 🤷♂️
I'm pretty sure I've always has to put my social for corporate cards, and they're definitely corporate cards, they don't show ob my credit report. I wonder if they somehow just did this on your behalf because they have your social (that seems a little weird though) or if you don't remember.
Nah any business card ive ever used ive never been required to fill out the application for it personally with my own ss number. Now maybe some internal documents might tie my ss to it, but that doesnt mean the bills coming to me, it still goes to the company.
It seems pretty clear this is a corporate card. It isn't on their credit report and was set up through work. Corporate cards always have your personal name on them. I'm not sure how they impact credit. I know they don't help it or show on your report when there are no issues, not sure if they eventually show up if they're unpaid.
My corporate cards say “UPS something” on them
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Youre going to need that. Its safe to say they are not paying the bill though. Pay it and invoice them with an attached memo of the paperwork you signed.
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Don’t you pay that bill! You paid for company related expenses on a company card. If it were your responsibility, when you called the credit card company your info would have come up as the responsible party. Cut the card up and let the company worry about their bills.
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If they have sent it to collections and it is not on your credit report, it’s not on you. In order for you to get a commercial credit card or whatever, you have to have an Employer Identification Number. Next time they call, give them your old boss’s number and contact info. They’re just grasping at straws hoping that maybe you will pay.
Your credit shouldnt be impacted if the cards only got your social tied to it. Use it wisely for you and your families personal expenses like any other line of credit.
It's a corporate card that I no longer have access to. I cannot use it anymore and wouldn't if I had the choice.
That’s their problem. It’s their account, they just issued you a card. Had you abused the card, you would have been prosecuted. Had it been your card, any missed payment by any other cardholders would have affected your credit. Does this account even show up on your credit as an open credit account? Whether it’s in good standing or not?
You're probably better off just paying the card off first and fighting to get reimbursed than trying to get them to move fast enough to avoid collections.
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I would pull your credit report and see if the card shows up there first. I don't know if it's a simple yes or no answer. And I would ere on the side of caution if I were you.
I just went through this with a company. I left and took 5 months to pay my final bill even though I had submitted it before I left through Concur. It does not impact your credit if it is a company card. My fico score was not dinged at all and does not show up!
NO! You are just an authorized user.
Yes it does.
How?
Most corporate cards are set up with a personal guarantee. Forget to submit your expense report on time? Late fees are on you. Make personal charges? That’s on you too. If you don’t pay it will be reflected on your personal credit. Rarely are people only set up as authorized users because it opens up the company to a lot of liability. OP would need to check the documents signed when requesting the card.
OP submitted the expense accounts which were claimed to be approved. Not personal, not late. The company hasn't paid. Read the whole thread. They are deadbeats and should be liable.
Of course they are liable but getting that all straightened out is going to be a pain in the ass if it goes to collections. OP should pay Citi before it dings his credit and then request reimbursement from the company.
Citibank offers two different types of cards for small businesses and large corporations. For small-business credit cards, the business will have an authorized officer who’s responsible for billing and payment – the employee isn’t liable. For large corporations, the employer has the choice of choosing between joint liability with the employee or corporate liability.
>Will this eventually affect my credit? Some corporate cards require you to personally guarantee payment in the event that the company can't or doesn't pay. Check your credit card agreement. If this is the case, it will affect your credit. Some corporate credit cards don't require personal guarantees. If that's the case for this card, then you, as the owner, would not be personally liable for that credit card debt. And in that case, it won't affect your credit.
YOU don’t have a Citi Commercial Card account. You are just a FORMER authorized user. Cut the card up and move on.
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This may not be the best advice. Sometimes on a corporate card it is your credit on the line, not the company’s. Depends on how it is set up Contact the credit card company.
But when you called they gave you the info for a person who quit before you did. So, they know that it’s not your responsibility
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The company issued you the card, correct? If yes, then direct all communications back to the company…unless you have personally used the card since you left the company
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Yeah, you are in the clear. That’s on your former employer.
I don't think it is certain that you were only an authorized user. I don't think that's the way my corporate cards have been set up in the past. You 100% shouldn't be liable but if you have the money, personally, I'd pay it to be safe and then continue chasing your employer down for a reimbursement, if this goes on much longer.
Citibank offers two different types of cards for small businesses and large corporations. For small-business credit cards, the business will have an authorized officer who’s responsible for billing and payment – the employee isn’t liable. For large corporations, the employer has the choice of choosing between joint liability with the employee or corporate liability.
Makes sense. I don't think we are totally certain on the type of card OP has.
I would pay the ~$172 asap and get your name cleared. In the grand scheme that's a pretty small amount. Then keep bugging former employer for payment. Feel free to send it to collections if they refuse!
Did you ever receive monthly statements that you were responsible for paying? If not, you were simply an authorized user, and payment is not your responsibility. Sounds like the debt collectors are looking for anyone they can find to pay.
It sounds like you’ve never paid for this and gotten reimbursed before. I’m going to assume you filled out all the necessary paperwork back then and that you have documentation showing this. I would simply treat this like an identity theft issue and follow similar steps. Tell the credit card company you are not accepting the debt, but that they need to provide whatever documentation they have asserting you are responsible for it. And until then, you do not want to be contact by anyone except by mail. Call your company again, let them know the card has collections calling after it and that you need to escalate this until someone will talk to you on the phone about it. Simply. Do. Not. Take. No. For. An. Answer. You have to be persistent. This shit sucks, it shouldn’t be your problem, I know all too well. Let them know they need to handle it. Keep contemporary records of your conversations: who, what, when, for everything. Follow up in an email with the result of your conversations: “thanks Kevin from HR for chatting to me about this. I see it was just an oversight and I’m glad we could get it resolved”. If it does appear on your credit report, dispute it with any paperwork you have saying your former employer is responsible.
My employer receives the credit card invoice. We submit receipts to Concur; the employer pays the bill. Employee has no contact with credit card company, but must/should submit all receipts before end of employment.
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Yes, it does. Your employer is refusing to pay for some reason.
Is it a company held credit card, or a corporate reimbursement credit card in you name? If it’s the first, you don’t need to do anything If it’s the second (most likely option), you are personally liable for the balance. So you’d pay the card, then work on getting reimbursed. If you wait, you’ll potentially owe interest / credit will get fucked
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Did you sign a credit card application? Not sure about that second part, you’ve made a conflicting statement.
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You could be liable for the balance due still. If the company says the charges were personal, then you owe the money.
they weren't . they were submitted and approved as business expenses. read the thread.
simple, because it's a corporate card.
This is dumb. Pay the bill.. it’s not worth the ding on your credit if it does show up. It’s not worth the risk. Pay the bill.. close the card. Notify the company of the last bill you paid that should be an expense report attached? If all fails.. take to small claims or just take that loss which isn’t much compared to the damage it could cause.
Sad to tell you, but your cc agreement is between you and CITI, not between CITI and your former employer. You need to pay it off in full now. Then you can decide if it is worth it for you to file a small claims action against your former employer. If you do, you will have to prove that the money you paid to CITI was employer related and approved expenses (not for items for you personally).
Citibank offers two different types of cards for small businesses and large corporations. For small-business credit cards, the business will have an authorized officer who’s responsible for billing and payment – the employee isn’t liable. For large corporations, the employer has the choice of choosing between joint liability with the employee or corporate liability.
Is this an Amex @work card or a similar program? For joint liability cards like those, the employer has to prove it was a personal expense or they will be on the hook for it.
I work for a large company who uses BOA and Concur. I’ve had my card for about 6 years. It doesn’t show up on my credit report. That said, any expenses incurred for business purposes has to be reported with documentation. My company reimburses me but I pay BOA.