Phillips 66 - Conoco - 76 Personal Credit Card

Credit Cards » FAQs

Please note: The Phillips 66-Conoco-76 credit cards are issued by Citibank (South Dakota), N.A. ConocoPhillips Company has entered into a relationship with Citibank to offer Phillips 66-Conoco-76 credit cards to its customers.

Receiving Customer Service:

How can I call Customer Service about my account?

You'll find a list of card-specific phone numbers under the Contact Us menu. The Customer Service number is also printed on the back of your Phillips 66-Conoco-76 card.

Where can I mail my credit card payment?

The address where to mail your payment is provide on the Contact Us menu and on your paper or online statement. You can also find it under the Make a Payment menu in Account Online.

How can I pay my bill?

Payments are accepted by mail, overnight delivery and online via our free Account Online service. Other fee-based options include paying by phone and Western Union Quick Collect^®.

Will I automatically receive a new card when my card expires?

Your account status is reviewed at the time of expiration. If it is open and in good standing, a new card(s) will automatically be sent to you if you qualify. A new card(s) is sent to you prior to the expiration date so that you have it when the old one expires.

How can I access my credit card account online?

Select the appropriate Phillips 66-Conoco-76 card product under Account Sign On. Next, register for Account Online to get a User ID and Password. Then you can sign on with your User ID and Password.

Once I register, when can I begin making online payments?

During your enrollment in Online Services, we'll check to see if you've made a credit card payment in the last 6 months via the same bank account you've elected within Online Services. If so, you'll be authorized to make an Online Bill Payment right away. If our system is unable to validate your bank account information immediately, it will take 6 business days to verify your information and process your enrollment.

Please note: accounts cannot be paid in full in the first month of Account Online enrollment.

What services are available online?

Once you register for FREE Account Online, you can:
• Review current statements
• Check unbilled charges
• Schedule payments
• Submit questions and requests
• Update your account profile
• Download reports
• and more...

When are my online payments credited to my account?

Personal Card, Premium Card and Commercial Card:
If we receive your request to make an online payment by 5:00 P.M. Eastern Time, your payment will post to your credit card account that day. If we receive your request to make a payment after 5:00 P.M. Eastern Time, your payment will post to your account the next day.

Platinum and Classic MasterCard:
If we receive your request to make an online payment by 5:00 P.M. Eastern Time on a bank business day, your payment will post to your credit card account that business day. If we receive your request to make a payment after 5:00 P.M. Eastern Time, your payment will post on the next business day. Our business days are Monday through Friday, excluding Federal holidays.

Is there a fee for Online Services?

No. Online Services is a free benefit.

Do you charge a fee to pay online?

No. The online payment feature is free. The minimum payment cannot be greater than your current balance and has to be at least $1.00 for the Personal Card, Premium Card or Commercial Card and $5.00 for the Platinum or Classic MasterCard.

Will I continue to receive statements in the mail if I pay my bill online?

Yes, you will still receive your statement by mail. Note: you can also view your statement information by going to View My Account and selecting Statements.

If I pay online, can I still make payments via the mail?

Yes. You can pay your bill by mail, online or in combination.

What services are available over the phone?

Through our automated phone service, you can conveniently:
• Check your Account Balance and Available Credit
• Verify Last Payment Amount and Last Payment Date
• Check when your Current Minimum Payment is due
• Request a Duplicate Statement
• Request Recent Transaction Information
• and more...

Do you offer customer service assistance for the deaf and/or hearing impaired?

Yes. You'll find a list of card-specific TDD/TTY phone numbers under the Contact Us menu.

Applying for a Credit Card

How do I apply for a card?

It’s easy. Choose the Apply button for the credit card you are interested in, complete the required information fields and submit your application for processing.

Is it safe to apply online?

Yes. Citibank uses Secure Sockets Layer ("SSL") for secure transmissions. SSL encrypts, or scrambles your application field data before they leave your computer and then unscrambles them at the receiving end - our corporate Internet server. All our online application information is kept on a secure server and is protected by a firewall. A firewall protects the server much like a structural firewall protects buildings from spreading flames. As an added precaution, the firewall is monitored for security breach attempts.

How old do I have to be to get a credit card?

You must be 18 years or older to apply for a Phillips 66-Conoco-76 credit card.

Do I have to be a resident of the United States to get a Phillips 66-Conoco-76 credit card?

Yes. Only United States residents can apply.

Why do you need my Social Security number?

Your Social Security number, which is requested on consumer card applications, is required to check your credit history with a national credit bureau and is strictly confidential. If you're applying for a Phillips 66-Conoco-76 Commercial Card, you will need to provide your Tax ID number for identification purposes.

Why do you need to know my income?

Your income will help determine your credit limit as well as establish your new credit card account.

If an authorized user is added to the account, will their credit be checked as well?

No. Since you’re authorizing another person to use your credit card, there is no need to check their credit history.

What is the credit line?

Your credit line will be determined by your yearly income and a review of your credit report. The credit line will be noted within your card issuance welcome kit and on your monthly statement.

What if I don't answer all of the questions on the application?

All required fields and questions on the online application must be completed for us to be able to process it.

How will I be notified if my application is approved?

Our online applications offer an instant response. If we are unable to provide you with an instant response, then we will notify you by postal mail within 30 days regarding the status of your Phillips 66-Conoco-76 credit card application.

How long will it take to receive my card?

Citibank will notify you within 30 days regarding your application. Provided that your application is approved, you'll receive your Phillips 66-Conoco-76 credit card(s), along with information explaining the features, benefits and details pertaining to the card(s).

How can I check the status of my submitted application if I have not received my card(s)
or a response letter?

You'll find a list of card-specific application status phone numbers under the Contact Us menu. Please keep in mind, application processing can take up to 30 days to complete.

Using your Credit Card:

Where can I use my card?

At any Phillips 66, Conoco or 76 station nationwide. The Phillips 66-Conoco-76 MasterCard can also be used everywhere in the world MasterCard is accepted.

How can I find the nearest station or a station on my trip route?

To search for a Phillips 66, Conoco or 76 station near you or on your trip route, use the station finder service.

Do most stations allow you to pay at the pump?

This convenience is available at many of the thousands of Phillips 66, Conoco and 76 locations nationwide.

Is there an extra fee for ordering cards on my account for family members or business
associates?

No. Just call Customer Service to request additional cards. You’ll find card-specific customer service phone numbers under the Contact Us menu. You can also call the number on the back of your Phillips 66-Conoco-76 card.

Is there a fee to replace a lost or stolen card?

No. Simply call Customer Service to report your card lost or stolen. We will issue you a replacement card right away. You'll find card-specific customer service phone numbers on the Contact Us menu. You can also call the number located on the back of your Phillips 66-Conoco-76 card.

Can I use my card to get extra cash?

Yes, you can use any consumer Phillips 66-Conoco-76 card (Personal, Premium and MasterCard) at any CIRRUS^® accepting ATM nationwide (cash advance fees will apply). The Phillips 66-Conoco-76 Commercial Card does not offer ATM access.

Is my account revolving or non-revolving?

All Phillips 66-Conoco-76 cards (Personal, Premium, MasterCard and Commercial) are revolving, which permit customers to pay the minimum payment due, instead of paying the full balance.

Are there late payment fees?

We will assess a late fee for each billing period you fail to make the minimum payment due by its due date. This late fee is described in the Terms and Conditions which accompany the application and in the Card Agreement you will receive with your Phillips 66-Conoco-76 card.