Has anyone recently been approved for a citi simplicity card?

[Anonymous]

 If so, what scores did you have? I am just looking for 0% BT options. Currently at 700 on TU, 681 on EX, and 672 on EQ. Any advice is much appreciated as I still do not have a centurion card...

[AverageJoesCredit]

Lol, I cant even spell Centurian

Though the Simplicity is a good bt card, maybe go for Boa's version with better chance at higher sl or better chances for future increases on the card. Just a thought

[Anonymous]

If you are going to go to Citi, I recommend the Citi Diamond Preferred over the Simplicity for two reasons:

• The intro APR when you get the card is 0% APR for 21 months while the Simplicity's intro is only 0% APR for 18 months
• You can PC the Citi Diamond Preferred to another Citi card in the future and I have seen on these forums that the Simplicity cannot be product changed to a different card.
  • This is important because once your 0% APR period is over, you will most likey want to switch to a card that actually gives you some sort of rewards instead of just having a credit card that literally does nothing for you

Good luck to you!

[Anonymous]

My Simplicity card is useless and I didn't even use it for a BT.  Another impulse app.  Never, never, never take a HP and reduce your AAoA for a one time BT.....unless the card has growth potential.  After 4 years, it may soon go above the $10k level but it still offers no perks whatsoever.  Worst one of all is Chase Slate.

[Anonymous]

Yeah, lesson learned on that one. Did exactly that with a Chase Slate. Never again.

[AverageJoesCredit]

This is why I suggested to Op to look at the Bank of America card . I have a BBR and I can do bts basically all year long and growth potential is better than Simplicity. The DP as suggested is the better Citi alternative in that it can eventually be pcd

[Anonymous]

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@AverageJoesCredit wrote:
This is why I suggested to Op to look at the Bank of America card . I have a BBR and I can do bts basically all year long and growth potential is better than Simplicity. The DP as suggested is the better Citi alternative in that it can eventually be pcd

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BofA is definitely the way to go imho. I BT on all three of the cards I have with them. It is so easy. Offers all the time.

[Anonymous]

What are the general requirements for a bofa BT card? I was recently declined for the americard...

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@AverageJoesCredit wrote:
This is why I suggested to Op to look at the Bank of America card . I have a BBR and I can do bts basically all year long and growth potential is better than Simplicity. The DP as suggested is the better Citi alternative in that it can eventually be pcd

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[Anonymous]

And denied for citi simp. They checked exp