Citi Double Cash “purchase tracker” doesn’t make sense, never reaches $0 even when fully paid off
I use my Citi Double Cash card only for large purchases, and always pay it off the same month to instantly get the full 2% back when the billing cycle ends. Just got my most recent statement and realized that the purchase tracker was not at $0, which doesn’t sense to me since the card is fully paid off. Looked through old statements and noticed the same thing.
For example, some of my past statements are:
Starting balance: $0.00. New eligible purchases: $3450.00. Cashback on purchases earned: $34.50. Eligible payments: $3450.00. Cashback on payments earned: $34.50. Ending balance: $0.00. Purchase tracker: $4,784.21. Ending purchase tracker: $1334.21.
Starting balance: $0.00. New eligible purchases: $1556.07. Cashback on purchases earned: $15.56. Eligible payments: $1556.07. Cashback on payments earned: $15.56. Ending balance: $0.00. Purchase tracker: $2890.28. Ending purchase tracker: $1334.21.
Infact, every single statement purchase tracker going back 2 years shows $1334.21 despite a $0.00 balance at the end of every month. This suggests that somewhere I never paid off that amount, but that doesn’t make any sense. It also suggests that if I overpay my card I can get $13.34 in cashback out of nowhere, but that also sounds fishy. I know for a fact that I’ve received the full 2% for every purchase made on this card and I can’t find a single explanation for that $1.3k.
I found this old guide explaining how the purchase tracker works, but my situation can’t be explained by it.
So reaching out to the community here - has anyone with the Citi card seen anything similar or can offer a reasonable explanation?