Posts: 7
Registered: ‎08-08-2012

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: 2,505
Registered: ‎11-11-2010

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: 3,318
Registered: ‎05-05-2011

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

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!
Regular Contributor
Posts: 244
Registered: ‎07-29-2012

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.

Cap1 QS $11500, Freedom $5000K, Slate $8000 Amex Sky $2000K, Discover IT $4400, BCE $8800, NFL $1500, Lowes $7000

Starting Score: 0
Current Score: 742
Goal Score: 800

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