03-04-2013 12:56 PM
I received an app from City Simplicity today. Pretty nice 0% for balances and purchases for 15 months. Thinking about it. Any feedback on them?
03-04-2013 02:47 PM
It's a good card if your planning to buy something and pay small portions every month cuz of the intro 0% APR for 18 months but after that you only have very few benefits like no late fees... The bad part is you get no rewards at all.. So you better off apply for the Dividend or the Citi Thank you instead..
03-04-2013 02:48 PM - edited 03-04-2013 08:21 PM
Ii don't quite understand the appeal of the Simplicity either.
03-04-2013 02:51 PM
03-04-2013 03:55 PM
Citi is hard as heck to get imo.
That was going to be my next question. Current scores are in the 650-675 range. Need to pay down a few cards and let some inquiries from last Summer drop off to get my numbers up.
03-04-2013 05:26 PM - edited 03-04-2013 05:29 PM
Somo people on this forum say that Citi is ultra sensitive with recent inquiries and that could result in a denial...well that wasn't the case for me... I had for 4 inquiries in the last 6 moths (the most recent one in february) and 12 in the last 2 years and on top of that 4 new acc oppened in december and yet they approved for theThank you Preferred card with a 4500 CL.. last week Of course my Overall utilization is very low (less than 10%)
My advice: try to lower your Overall utilization ((30% or less) and your score will go up and of course your approval odds will increase
03-04-2013 07:20 PM
03-04-2013 07:54 PM
Me and youngandcreditworthys citi stories sound the same. Had to contact the Executive office to get in the door with them. Than they gave me a 2k siggy with npsl so go figure with them YMMV
03-04-2013 07:57 PM
I got denied with almost a 700 EQ score- I had opened Amex and Discover ONLY in six months and got denied for "too many recently opened accts"
Imo .... Don't do it.
Barclay's has good 15 month bt cards that have rewards, and Chase Freedom is good too.
My util was like 10-15% btw when I app'ed for Citi. I did ultimately get approved after contacting a nice lady in the President's/Exc Office for a $6k Citi Diamond Preferred... Took TWO months though! Ugh!
Two months? Wow! I was thinking about the TY in my next round of sprees but waiting that long would honestly p*ss me off. 😒
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO