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Super Contributor
enharu
Posts: 6,889
Registered: ‎02-27-2013
0

Re: Citi Simplicity after home closing?


Ashlah wrote:

My dentist's office said Care Credit will finance for 12 months (maybe it has to do with the amount? Not sure). I'd prefer a little longer buffer. Care Credit also charges all of the deferred interest if I were to be late on a payment (never have been, but better safe than sorry...)


There's a targetted Simplicity offer for 21 months no APR. You might have to search around on Google for that link.

Slate is 15 months no APR and no BT fee. However if you're planning to put the charge directly on the new card, just get a Freedom. It is also 15 months 0% APR.

There are many other cards that you can consider as well.

Discover is 14 months no APR, Amex Blue revolvers are 12 months no APR (I know you prefer longer, but figured I list it since it's Amex), Citi Diamond Preferred is 15-17 months depending on offer, Barclays has 12-15months offer as well depending on the card.

 

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).
New Member
Ashlah
Posts: 5
Registered: ‎06-19-2013
0

Re: Citi Simplicity after home closing?

Well, what do you know! I received an offer for the 21 month Simplicity in the mail yesterday, closed on the house today, and just got approved with an $8,000 limit! Thanks for your thoughts, all, hope the details of my situation were helpful to someone else :smileyhappy:

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Senior Contributor
myjourney
Posts: 26,340
Registered: ‎02-07-2013
0

Re: Citi Simplicity after home closing?


Ashlah wrote:

Well, what do you know! I received an offer for the 21 month Simplicity in the mail yesterday, closed on the house today, and just got approved with an $8,000 limit! Thanks for your thoughts, all, hope the details of my situation were helpful to someone else :smileyhappy:


Congrats on the new home and a great card 

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


Frequent Contributor
koalablue
Posts: 345
Registered: ‎05-23-2012
0

Re: Citi Simplicity after home closing?

You might try the Penfed Promise Visa.  It has even fewer fees than the Citi Simplicity - it just has no fees.  It doesn't have a 0% intro offer, but it does have a 7.5% APR for the first 3 years you have the card, and then the prime rate (currently 9.9%) thereafter. There's no balance transfer fee.  And its a low 4.99 % APR for a balance transfer if you do it when you first get the card, and that rate lasts for the life of the transfer.  If you're not in the military or a veteran, you can still join PenFed by making a one-time small donation to one of two military-related charities. There's a link to them on the PenFed web site.


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