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Citi Simplicity - Invitation

Brandnick
New Contributor
‎03-15-2013 06:29 AM
‎03-15-2013 06:29 AM

Citi Simplicity - Invitation

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"
Message 1 of 10
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9 REPLIES
ObeyJohnny12
Established Contributor
‎03-15-2013 06:33 AM
‎03-15-2013 06:33 AM

Re: Citi Simplicity - Invitation

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. |
Message 2 of 10
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Brandnick
New Contributor
‎03-15-2013 10:13 AM
‎03-15-2013 10:13 AM

Re: Citi Simplicity - Invitation

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
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asteroidblues86
Regular Contributor
‎03-15-2013 10:41 AM
‎03-15-2013 10:41 AM

Re: Citi Simplicity - Invitation

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

Message 4 of 10
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boomhower
Valued Contributor
‎03-15-2013 01:15 PM
‎03-15-2013 01:15 PM

Re: Citi Simplicity - Invitation

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

Message 5 of 10
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londonhogfan
Contributor
‎03-15-2013 01:55 PM
‎03-15-2013 01:55 PM

Re: Citi Simplicity - Invitation

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
Message 6 of 10
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lhcole77
Valued Contributor
‎06-13-2013 10:22 PM
‎06-13-2013 10:22 PM

Re: Citi Simplicity - Invitation

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+
Message 7 of 10
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09Lexie
Moderator Emerita
‎06-13-2013 10:25 PM
‎06-13-2013 10:25 PM

Re: Citi Simplicity - Invitation

Nice APR!

Closing Credit Cards

The Definitive Amex 3X CLI Guide

Frequently Requested Threads
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HiLine
Blogger
‎06-13-2013 11:55 PM
‎06-13-2013 11:55 PM

Re: Citi Simplicity - Invitation

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

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


Message 9 of 10
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enharu
Super Contributor
‎06-14-2013 12:05 AM
‎06-14-2013 12:05 AM

Re: Citi Simplicity - Invitation

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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