# XXXX We have a 0 interest card with Citi. I made XXXX payments in XXXX after the XXXX intended to be paid towards XXXX XXXX due date. {$100.00} cleared XXXX XXXX ( the due date is the XXXX monthly ). Citi applied that {$100.00} to XXXX rather than XXXX so I got a notice I had n't made a payment on time. The second check for {$45.00} was correctly applied to payment due XXXX XXXX. It cleared XXXX XXXX. Because the {$100.00} was applied incorrectly my XXXX XXXX payment was short. I talked to XXXX people in customer service and sorry, they could n't back the {$100.00} out and reapply to amount due XXXX XXXX. We are self employed and credit is very important buying real estate. 
