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How Is City Simplicity?

Valued Contributor

How Is City Simplicity?

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?

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $16,400. / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / Penney - $10,000 / Barclay Apple Rewards - $4000 / Merrick - $2500


EQ - 740 / TU - 748 / EX - 748
Message 1 of 19
18 REPLIES
Valued Contributor

Re: How Is City Simplicity?

The CitI Simplicity has no rewards so not really worth it to me. You can get the ThankYou Preferred that has rewards and 12 months of no interest.

Message 2 of 19
Frequent Contributor

Re: How Is City Simplicity?

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..

Message 3 of 19
Frequent Contributor

Re: How Is City Simplicity?

Ii don't quite understand the appeal of the Simplicity either.

Message 4 of 19
Senior Contributor

Re: How Is City Simplicity?

Citi is hard as heck to get imo.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 5 of 19
Valued Contributor

Re: How Is City Simplicity?


youngandcreditwrthy wrote:
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. 

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $16,400. / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / Penney - $10,000 / Barclay Apple Rewards - $4000 / Merrick - $2500


EQ - 740 / TU - 748 / EX - 748
Message 6 of 19
Frequent Contributor

Re: How Is City Simplicity?

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

Message 7 of 19
Senior Contributor

Re: How Is City Simplicity?

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"

So,
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!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 8 of 19
Established Contributor

Re: How Is City Simplicity?

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

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1
Message 9 of 19
Moderator Emerita

Re: How Is City Simplicity?


youngandcreditwrthy wrote:
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"

So,
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. 😒

Message 10 of 19