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New Contributor
Brandnick
Posts: 86
Registered: ‎11-07-2012
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Citi Simplicity - Invitation
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‎03-15-2013 06:29 AM

Sorry for not posting in the last few months as I was gardening. However citi made me come out of gardening yesterday as I got an invitation in the mail

Offer was as follows

- 21 month 0% interest rate
- No late fee
- No annual fee
- After 21 months of 0% interest rate it goes to 11.99%

I took the deal and went online filled out information and got approved for $9000
Current Score: 771 - 11/21/2012/ Amex Pull
Late Payment: 0 / Collections: 0
AAOA: 6.3 Years

"My Scores Yesterday or Last week or even Last month has no value when applying for credit today. The value is not in my score but the information in my credit file. Once the information is good the score will follow"
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Established Contributor
ObeyJohnny12
Posts: 591
Registered: ‎05-05-2012
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Re: Citi Simplicity - Invitation
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‎03-15-2013 06:33 AM

Nice! Congrats. Sweet interest rate offer. Now back to the garden. Smiley Happy
Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
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New Contributor
Brandnick
Posts: 86
Registered: ‎11-07-2012
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Re: Citi Simplicity - Invitation
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‎03-15-2013 10:13 AM

The only reason I app this card was that it had a low Apr 11.99% after 21 months. It offers nothing else no cash back no mileage nothing which is fine as my Discover and Amex I use for cash back and points.

The mistake I see a lot of ppl here make is not having the right mix of cards. Meaning if you have say 4-5 cards all cash back or points its a little more difficult to get the benefit from these cards because you spending your purchase across too many cards.

The right mix for me is 2 cards Amex and discover to get cash back and points so I can optimize on the benefits and the other cards for low or 0% interest rate


Current Score: 771 - 11/21/2012/ Amex Pull
Late Payment: 0 / Collections: 0
AAOA: 6.3 Years

"My Scores Yesterday or Last week or even Last month has no value when applying for credit today. The value is not in my score but the information in my credit file. Once the information is good the score will follow"
Message 3 of 10 (1,414 Views)
 
Regular Contributor
asteroidblues86
Posts: 234
Registered: ‎08-04-2012
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Re: Citi Simplicity - Invitation
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‎03-15-2013 10:41 AM

Congrats. Have you seen the "Make Up Artist" commercial about this card? I like it Smiley Happy

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Valued Contributor
boomhower
Posts: 1,884
Registered: ‎09-20-2011
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Re: Citi Simplicity - Invitation
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‎03-15-2013 01:15 PM

I'm thinking of getting this card this fall for a BT.  What are you other limits?

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Contributor
londonhogfan
Posts: 142
Registered: ‎01-15-2013
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Re: Citi Simplicity - Invitation
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‎03-15-2013 01:55 PM

wow! That's a great offer. I hope they send me one of those.


I'll be in the garden... FICO Score | TU-08: 732 in May 2013
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Valued Contributor
lhcole77
Posts: 2,491
Registered: ‎09-18-2012
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Re: Citi Simplicity - Invitation
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‎06-13-2013 10:22 PM

Agreed! I just got approved for one as well. Wanted to take advantage of the intro 0% AND to diversify wallet.
FICO 08-EX: 746 TU: 752 EQ: 750 AAoA: 4yrs TLs: 40 Neg: 0

Credit Limits: $300,000+
Miles: 400,000+
MRPs: 200,000+
Cash Back: $2,000+
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Moderator Emerita
09Lexie
Posts: 27,204
Registered: ‎09-13-2012
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Re: Citi Simplicity - Invitation
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‎06-13-2013 10:25 PM

Nice APR!

Closing Credit Cards

The Definitive Amex 3X CLI Guide

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Blogger
HiLine
Posts: 3,367
Registered: ‎10-19-2012
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Re: Citi Simplicity - Invitation
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‎06-13-2013 11:55 PM

21 months! Wow! That's gotta be a record! Robot surprised

---> HiLine's personal finance blog - Follow my journey!  Smiley LOL


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Super Contributor
enharu
Posts: 7,132
Registered: ‎02-27-2013
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Re: Citi Simplicity - Invitation
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‎06-14-2013 12:05 AM

londonhogfan wrote:

wow! That's a great offer. I hope they send me one of those.

there used to be some links for that offer. Not sure if they're still up. you will have to search around different forums and sites.

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
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