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Member
Posts: 9
Registered: ‎04-08-2012
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Citi simplicity

So I've been looking at the citi simplicity and might take advantage of the 18 month interest free. If I did do it I'd want to transfer 2500 or so. Does anyone know how citi are with there initial credit limits?  I have amex blue 5000CL, Barclay 3500CL and discover 3500CL. 

What are the chances they'd match my amex?

Established Contributor
Posts: 539
Registered: ‎08-05-2009
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Re: Citi simplicity

My wife has:

 

Chase Freedom- $11K CL

PenFed Cash Rewards- $6K

Amex BCP- $6K

CareCredit- $5K

Lowes- $10K

 

She was recently approved for the Citi Simplicity for $1200.00.

Amex BCE $11.1 / Citi Diamond Preferred WMC $12K / Citi Double Cash WMC $3.8K / Comenity Total Rewards Visa $2.5K / Citi Home Depot $5K / AU- Amex BCP $12K / Chase Freedom Visa $11014.00 / PenFed Platinum Rewards Visa Signature $6K / GE Lowes $10K
myFico Scores on 10/03/2014
Eq 798 / Exp 811 / Trans 814
CCT Fico 08 on 1/3/16 - Trans 786 / Exp 793 / Eq 797
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Citi simplicity


OnTheRebound wrote:

My wife has:

 

Chase Freedom- $11K CL

PenFed Cash Rewards- $6K

Amex BCP- $6K

CareCredit- $5K

Lowes- $10K

 

She was recently approved for the Citi Simplicity for $1200.00.


that's a little odd Citi is usually decent with CL's


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Contributor
Posts: 826
Registered: ‎09-12-2011
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Re: Citi simplicity


English wrote:

So I've been looking at the citi simplicity and might take advantage of the 18 month interest free. If I did do it I'd want to transfer 2500 or so. Does anyone know how citi are with there initial credit limits?  I have amex blue 5000CL, Barclay 3500CL and discover 3500CL. 

What are the chances they'd match my amex?


I think it's going to depend on your credit file, FICO scores, and income, but if those are good, then you probably have a decent chance at getting $5,000 or more to start.

My DH was approved for the Citi Simplicity card back in May - his starting limit was $7,400 and he just got a CLI to $11,400 (soft pull).  I just applied for the Simplicity card yesterday and was approved with a starting limit of $10,900.  My Amex Optima is still reporting a limit of $9,600, so they did exceed my highest Amex limit.

 

Good luck if you decide to pull the trigger!!

FICOs: TU08 842 EQ08 817 EX08 825 6/23/16 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Costco Visa $19.3K; Citi Double Cash $13.5K; Citi Simplicity Visa $23.3K; Discover IT $50K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $35.9K; Sallie Mae WMC $17.5K; Sears MC $10.1K; US Bank Cash+ Visa Sig $26K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Established Contributor
Posts: 539
Registered: ‎08-05-2009
0

Re: Citi simplicity


distantarray wrote:

OnTheRebound wrote:

My wife has:

 

Chase Freedom- $11K CL

PenFed Cash Rewards- $6K

Amex BCP- $6K

CareCredit- $5K

Lowes- $10K

 

She was recently approved for the Citi Simplicity for $1200.00.


that's a little odd Citi is usually decent with CL's


Go figure. Our scores, reports and incomes are very similar. Two plus years ago, they approved me for the Platinum Select with a $8.7K starting CL. Now $12K. 

Amex BCE $11.1 / Citi Diamond Preferred WMC $12K / Citi Double Cash WMC $3.8K / Comenity Total Rewards Visa $2.5K / Citi Home Depot $5K / AU- Amex BCP $12K / Chase Freedom Visa $11014.00 / PenFed Platinum Rewards Visa Signature $6K / GE Lowes $10K
myFico Scores on 10/03/2014
Eq 798 / Exp 811 / Trans 814
CCT Fico 08 on 1/3/16 - Trans 786 / Exp 793 / Eq 797
Member
Posts: 9
Registered: ‎04-08-2012
0

Re: Citi simplicity

Thanks for the feedback everyone. My credits decent enough, income shouldn't be a concern either. Still not sure if I'm going to go for it or not, but appreciate the info. Really just want to make sure I'm moving forward with my credit limits. 

Established Member
Posts: 11
Registered: ‎05-26-2009
0

Re: Citi simplicity

I have the Amex Blue with a 5k limit as well. Was approved for the Simplicity with a matching 5k limit. Accidently applied again, gave me another Simplicity with a 1,200 limit. Go figure!

Amex Blue 5k I Citi Simplicity 6.2k I Cap1 Platinum 1.25k I AE 700 I Walmart 900

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Established Contributor
Posts: 560
Registered: ‎09-29-2012
0

Re: Citi simplicity


English wrote:

So I've been looking at the citi simplicity and might take advantage of the 18 month interest free. If I did do it I'd want to transfer 2500 or so. Does anyone know how citi are with there initial credit limits?  I have amex blue 5000CL, Barclay 3500CL and discover 3500CL. 

What are the chances they'd match my amex?


Well with the cards you already have why would you want the Simplicty?

 

The simplicity is not a rewards card.  It has 0% APR on BT for 18 months, but so does the Diamond Prefered, which isn't a rewards card either except that it does have the free concerige service.

 

Even the Dividend has 0% APR on BT but for 12 months and it at least is a true rewards card that at bear minimum offers 1% CB.

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