topic Re: Citi Simplicity in Credit Card Applications

Citi Simplicity

SFLSpotter9210 — Fri, 25 Jan 2019 20:24:02 GMT

Well my run has possibly come to a halt. I just applied for my 3rd Citi card in past 2 weeks and got the will notify you in 7-10 days on your decision. January 17th approved for rewards + account for 5k, and January 21st approved for Double Cash for 10k. Today applied for invitation Citi Simplicity card 7-10 notification. Fico 8 scores EQ-718, TU-670, EX-690. AAoA is 8 years total CL= 25k. I’m at 50% utilization across board. That’s really not an issue as I could pay the balances at any given time but, have 2 accounts with 0% so why.

Re: Citi Simplicity

Anonymous — Fri, 25 Jan 2019 20:27:16 GMT

@SFLSpotter9210 wrote:
Well my run has possibly come to a halt. I just applied for my 3rd Citi card in past 2 weeks and got the will notify you in 7-10 days on your decision. January 17th approved for rewards + account for 5k, and January 21st approved for Double Cash for 10k. Today applied for invitation Citi Simplicity card 7-10 notification. Fico 8 scores EQ-718, TU-670, EX-690. AAoA is 8 years total CL= 25k. I’m at 50% utilization across board. That’s really not an issue as I could pay the balances at any given time but, have 2 accounts with 0% so why.

You can't apply for more that 2 Citi cards in a 60-day period.

Re: Citi Simplicity

SFLSpotter9210 — Fri, 25 Jan 2019 20:35:39 GMT

Didn’t know my bad. What will the draw backs to my actions? You think they will cut my accounts before I even receive my first card? I thought I read that Citi will allow you to have 3 cards that’s it. Guess I’m a bad customer before even starting off right? Well I’ll sit back and enjoy the show so to speak. Thanks for the feedback and the negative comments I deserve it i imagine.

Re: Citi Simplicity

Anonymous — Fri, 25 Jan 2019 21:01:53 GMT

"You can't apply for more that 2 Citi cards in a 60-day period."

well, I guess The Citi Shell Mastercard ($2000 SL) and The Citi Simplicity together are the exception to the rule,

Approved for both within 30 days. 30cents off shell Gas per first 5 fillups (Up to 20 Gallons)

Good till June of 2019

I got The Shell Mastercard, so when traveling, "My Other Card's will never see a Gas Station "Skimmer"..

I simply will not use my regular everyday driver spending cards at any pump.

The Shell Mastercard is quite Luxurious compared to my Regular Non Visa/Mastercard Chevron Texaco

when Local, I uses a Rotten Robbie Debit Card to get 10cents of of an already "cheap" price at the pump.

hey did I really admit to Being a Rotten Robbie Club Saver ??...LoL

and i have to drive by it everyday to get anywhere.

Re: Citi Simplicity

AverageJoesCredit — Fri, 25 Jan 2019 21:42:42 GMT

@SFLSpotter9210 wrote:
Didn’t know my bad. What will the draw backs to my actions? You think they will cut my accounts before I even receive my first card? I thought I read that Citi will allow you to have 3 cards that’s it. Guess I’m a bad customer before even starting off right? Well I’ll sit back and enjoy the show so to speak. Thanks for the feedback and the negative comments I deserve it i imagine.

What negative comments? Your post was replied to in a factual manner. Not everyone will know the rules of applying with certain lenders but please refrain from assuming follow up post are negative especially when they aren't. That is how some post get out of hand before they even start. Thank you snd congrats on your success with Citi.

Re: Citi Simplicity

SFLSpotter9210 — Fri, 25 Jan 2019 22:20:34 GMT

I truly wouldn’t be upset by it. I probably deserve it for being foolish with Citi. I’m open to any comments made. Thank you for your post though averagejoescredit.

Re: Citi Simplicity

FinStar — Sat, 26 Jan 2019 00:01:27 GMT

@Anonymous wrote:
"You can't apply for more that 2 Citi cards in a 60-day period."

well, I guess The Citi Shell Mastercard ($2000 SL) and The Citi Simplicity together are the exception to the rule,

Approved for both within 30 days. 30cents off shell Gas per first 5 fillups (Up to 20 Gallons)
Good till June of 2019

I got The Shell Mastercard, so when traveling, "My Other Card's will never see a Gas Station "Skimmer"..

I simply will not use my regular everyday driver spending cards at any pump.

The Shell Mastercard is quite Luxurious compared to my Regular Non Visa/Mastercard Chevron Texaco

when Local, I uses a Rotten Robbie Debit Card to get 10cents of of an already "cheap" price at the pump.
hey did I really admit to Being a Rotten Robbie Club Saver ??...LoL
and i have to drive by it everyday to get anywhere.

The Shell Mastercard along with a plethora of others such as the Best Buy Visa/Store card, Sears MC/Store card, Home Depot, etc, are private label CCs underwritten by Citi Retail (CBNA). The Citi Simplicity, Thank You Preferred, AAdvantage, Double Cash, etc, are 'core' CCs from Citi. They are run as separate UW divisions of the parent entity. So, the Citi application 'rule' mentioned upthread applies to Citi 'core' CCs.

Re: Citi Simplicity

FinStar — Sat, 26 Jan 2019 00:07:33 GMT

@SFLSpotter9210 wrote:
I truly wouldn’t be upset by it. I probably deserve it for being foolish with Citi. I’m open to any comments made. Thank you for your post though averagejoescredit.

Since it appears you weren't familiar with those application rules, no harm, no foul OP. The beauty about the forums is that there's lots of collective knowledge that can help you be better informed. Sometimes it's a trial and error thing, but if you are unsure about something, definitely ask beforehand.

Re: Citi Simplicity

SFLSpotter9210 — Sat, 26 Jan 2019 00:19:39 GMT

Yeah definitely my bad. I should have for sure posed the question on this forum before applying a 3rd time. I did notice that on my Equifax report it shows CBNA “ all banks” and on another it shows CBNA “national credit card cos.” Any idea what those are? Was meaning on the actual inquiry itself for each on my Equifax report. Thanks everyone for your great advise and recommendations.

Re: Citi Simplicity

FinStar — Sat, 26 Jan 2019 00:31:20 GMT

@SFLSpotter9210 wrote:
Yeah definitely my bad. I should have for sure posed the question on this forum before applying a 3rd time. I did notice that on my Equifax report it shows CBNA “ all banks” and on another it shows CBNA “national credit card cos.” Any idea what those are? Was meaning on the actual inquiry itself for each on my Equifax report. Thanks everyone for your great advise and recommendations.

Don't feel bad OP. Even as much as I've learned about Citi over the years I've made a similar boo-boo in the past (miscalculation in my dates - whoopsie ). So guess what!? Life went on and I was eventually approved after I let some time pass. There was no HP (whew! thankfully) since their internal system caught it. So, I'm always near my handy-dandy 'abacus' to make sure I don't mess myself up again At the end of the day, you were approved for two decent products and we all learn as we go.

As far as CBNA, that stands for Citibank National Association - the entity that is coded when your CR was accessed, otherwise known as Citi.

Re: Citi Simplicity

Anonymous — Sat, 26 Jan 2019 05:11:19 GMT

You’ll be happy in the long run not having the simplicity card. After the promo, you can’t product change it anyway.

Re: Citi Simplicity

Anonymous — Sat, 26 Jan 2019 05:55:51 GMT

No negative comments here! As the philosphy god has said " **bleep** Happens". I am sure they probably thought you made a mistake. Stuff happens, and that is perfectly okay!

Re: Citi Simplicity

Anonymous — Mon, 28 Jan 2019 06:55:23 GMT

@SnowMountain

Re: Citi Simplicity

You’ll be happy in the long run not having the simplicity card. After the promo, you can’t product change it anyway."

I just spoke to a High Tier CitiBank Represenitive on The Phone, She Just Told Me "SIR", you can absolutley Product change

The Citi Bank Simplicity card after 1 year of opening the account. She Told Me; "That I could Change it to whatever I wanted".

Probably Due to My Real Stated Income (corporate policy I cant state it on a forum) ...

I just Received My 3rd CLI in 4 Weeks on The Card. (I shot for Huge Limit, but got 3rd Partial CLI)

I would also add, Internal approval .. No HP's Done (all 3 CRA's Frozen)

as always YMMV / YEMV

Re: Citi Simplicity

SFLSpotter9210 — Tue, 29 Jan 2019 01:04:19 GMT

Received phone call last night for verification and boom congratulations your approved. I’m done now for sure gardening is in my future.

Re: Citi Simplicity

Anonymous — Tue, 29 Jan 2019 03:24:37 GMT

Congrats OP!!! Glad things worked out and best wishes!

This is the only downside to the forum and there are VERY FEW! There are some of the smartest and most knowledgeable peeps in the world on MF. But SOMETIMES people speak in absolutes and it's just not true. If you can get deemed inappropriate for "all caps" or "exclamation points" followed by a "LOL" then "facts" SHOULD be questioned as well. As always perception is reality.

No suprise its CRICKETS!

Re: Citi Simplicity

SouthJamaica — Tue, 29 Jan 2019 03:14:35 GMT

@SFLSpotter9210 wrote:
Received phone call last night for verification and boom congratulations your approved. I’m done now for sure gardening is in my future.

All's well that ends well Congratulations