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Posts: 8
Registered: ‎08-08-2012
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Any Opinions About The Citi Simplicity CC?

applied for this card today, but have not yet received a response. Citi Customer Service said they report to all three agencies, so it seems like a pretty good card for rebuilding credit. I'm hoping I qualify!


Card Details I found on other websites:
18 month 0% introductory APR on balance transfers and purchases.
12.99% to 21.99% variable APR after intro, based on credit scores.
Secure number different from card number available for shopping online.
No annual fee.
No late fees.
23 day grace period.
3% balance transfer fee.
No penalty interest rate.
Credit Score Approval Data: Average approved--731, Lowest approved--611.

Valued Contributor
Posts: 2,528
Registered: ‎11-11-2010
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Re: Any Opinions About The Citi Simplicity CC?

If you are rebuilding credit, I do not think this is the card for you. Citi Simplicity is for those who needs to do BT. Because it is a no fee CC (and generous term), its approval criteria is substantially higher than any other CC.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/ (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Senior Contributor
Posts: 3,345
Registered: ‎05-05-2011
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Re: Any Opinions About The Citi Simplicity CC?

All CCs report to all 3 CRAs that I know unless there's some strange one that doesn't. Citi Simplicity isn't for rebuilding. I'm not sure what your credit report or FICO look like. But citi has pretty high standards for approval. Cap One has some rebuilder cards, if thst's what you're needing to do. Or local CUs will sometimes help people get a decent CL cc to rebuild. 

EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Established Contributor
Posts: 541
Registered: ‎12-02-2011
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Re: Any Opinions About The Citi Simplicity CC?

Heh? This is not a rebuilder card. You need a pretty solid report to get it. Whoa!
Frequent Contributor
Posts: 284
Registered: ‎07-29-2012
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Re: Any Opinions About The Citi Simplicity CC?

The Slate card has no BT fee, Simplicity has 3% BT fee it's kinda like Discover IT.

Lots of cards and counting !!
FICO 800ish Shooting for 800+
BCE 20K,ED 10K,Sky 2K, DCVR $6800, Slate 8K, Freedom 5k, Care Credit 10K, Lowes 10K, Cap1 QS $11500, Venture 15K, Paypal 5k Hidden, US Bank Edge Cash Business 20K and NFL $1500 soon to DIE.

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