Citi Simplicity SMOKIN' pre-qualler

[racer-x]

Citi has the Simplicity in their 'pre-qualified' section for me.

0% interest for 18 months then 12.99 after that..  I'd jump all over that for BT if I got a decent limit...say $10k

They should pull EX which is my highest score, Fico 08 717  and Bankcard 08 729.

1 INQ on EX in last 6 mos.

That offer seems to be one of the better ones out there, right?  Any thoughts on hittin' this sucker up?

[Anonymous]

I thought you were getting a loan to pay off your cards, and then cutting them up?

[racer-x]

I need one more card....make it an even 20...This is the highest my EX has been, other than the honeymoon...

Then it's bye bye racer-x til next winter.  No more forums.  No more fico.  No more caring about credit cause it's 70hr work weeks and ridin' the Harley for the next 9 months.

I'm not liking the CL's that are given according to creditpulls....Some 800's only getting $7k? craziness I say.

[Runitup]

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@racer-x wrote:

I need one more card....make it an even 20...This is the highest my EX has been, other than the honeymoon...

Then it's bye bye racer-x til next winter.  No more forums.  No more fico.  No more caring about credit cause it's 70hr work weeks and ridin' the Harley for the next 9 months.

I'm not liking the CL's that are given according to creditpulls....Some 800's only getting $7k? craziness I say.

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I have 800+ scores across the board, previously had a Citi Dividend for 10.2k and was approved for Simplicity for 7.6k. I'm SMH between them and Disco with the SL.  I have the 21mos 0% offer at 12.99%.  

PS:  The card feels like cardboard and I'm pretty sure I could tear it in half with my bare hands.

[Anonymous]

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@racer-x wrote:

Citi has the Simplicity in their 'pre-qualified' section for me.

0% interest for 18 months then 12.99 after that..  I'd jump all over that for BT if I got a decent limit...say $10k

They should pull EX which is my highest score, Fico 08 717  and Bankcard 08 729.

1 INQ on EX in last 6 mos.

That offer seems to be one of the better ones out there, right?  Any thoughts on hittin' this sucker up?

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I've seen better.

21mos 0% and 12.99% afterward.

[lhcole77]

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@racer-x wrote:

Citi has the Simplicity in their 'pre-qualified' section for me.

0% interest for 18 months then 12.99 after that..  I'd jump all over that for BT if I got a decent limit...say $10k

They should pull EX which is my highest score, Fico 08 717  and Bankcard 08 729.

1 INQ on EX in last 6 mos.

That offer seems to be one of the better ones out there, right?  Any thoughts on hittin' this sucker up?

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What's your EQ like? Citi loves to double pull.

[Ups77]

I had the same offer.

[bigbang91]

Yeah i think citi just up the offer to 21 months for both DP and simplicity,the longest that i've seen among major banks

[Anonymous]

I just got this offer in the mail too.... well the 21 months 0% APR and 12.99 afterwards... One thing I've noticed with a CITI card is that you get "Presale Access" to concert tickets.... That is quite a big perk for me personally... Can anyone comment on this feature??

[deltatee]

I also received in the mail a 21 month 0% purchase and BT APR offer.  It's an impressive offer to be sure.  I wonder what kind of luck people have had in PC'ing it after the promotion period ends.