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Approved - Citi Simplicity

Valued Member

Approved - Citi Simplicity

I received - twice - the email offering me the chance to apply for the simplicity card. I knew it wasn’t a pre-approved offer as I checked citi’s pre-approved site, and it didn’t come for me— so I knew it was perhaps pre-selected at best.

I applied about 9 days ago and got instant approval for 5,500 and APR of 16.24%. I wasn’t thrilled with that SLI. I called recon the same day as I applied (and was auto-approved) and asked/discussed about getting a better/higher SLI, but was told that they couldn’t change it or so anything to the account until I got my card and activated the account. They suggested I call the regular CS line.

So, I did... first call went no where.. HUCA... Second call was about the same... HUCA... I tried a third time and got an agent who understood the logic (if I get a 5,500 SLI and transfer anything over say, 2,600, my UTIL rate will blow up and look not so good)... and agreed that if my plan was to move 2600 over, a SLI of 5,500 wasn’t ideal.... she put me on hold and came back asking me to confirm my employer, phone number at work and current salary... then after another short hold, she said she could bump my SLI 11,500. Perfect

I do have their citi preferred (a PC downgrade from Premier) with CL 3,500 for just over 2 years.
My FICO as of date of application was 728, overall util of 19%, monthly income 6,750, AoAA 2.9years and 1inq in the last year- 5 in the last 24mos.
Message 1 of 12
New Contributor

Re: Approved - Citi Simplicity

Nice Job, "HUCA" "HUCA"Smiley Wink


nice APR to boot!


enjoy that very long 0% intro APR


Message 2 of 12
Mega Contributor

Re: Approved - Citi Simplicity

Massive recon! Great jobSmiley Happy
Message 3 of 12
Established Contributor

Re: Approved - Citi Simplicity

Congratulations on your approval and getting your CLI great work 😎.
NFCU Flagship 25,000 Penfed PowerCash 8,750 PenFed PL 20,000 NFCU AMEX Rewards 37,500 NFCU GoRewards 7,000
Capital One Quicksilver 6,300
Lowe’s 34,500
Wells Fargo Propel 10,000
Barclay Apple1k
Citi Rewards+ 10,600
Citi Double Cash 14,800
Citi Simplicity 5,500
PNC Core VISA 17,500
Home Depot 1,000
USAA AMEX 10,000
Discover 17,000
BB&T Rewards 4,500 BB&T Bright Card 4,500 GS Apple 5,500 Chevron 1650 Fico 8 Scores EQ=761,EX=760,TU=766 scores and CL current as of 04/23/21 AAoA=2years10minths AoOA=17yrs
Message 4 of 12
Senior Contributor

Re: Approved - Citi Simplicity

Beautifully played, flyer. Congratulations!

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (3/12/2021): FICO 08 EXP: 748; TU: 755; EQ: 773
2020 Goal Score: 760 across the board

Take the myFICO Fitness Challenge
Message 5 of 12
Valued Contributor

Re: Approved - Citi Simplicity

Good work!! Congrats!
American Express Business Gold(NPSL 10k) Chase CSP (25k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until June 2021

FICO 8 Scores EX 700 EQ 696 TU 703
AAOA 5.2yrs TCL=268,700
Message 6 of 12
Frequent Contributor

Re: Approved - Citi Simplicity

Nice work!! You are persistence and it worked out very favorably for you!
Message 7 of 12
Senior Contributor

Re: Approved - Citi Simplicity

Congrats on your approval and recon to very nice SL !!!!



8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 8 of 12
Frequent Contributor

Re: Approved - Citi Simplicity

Congrats on the Approval! Smiley Happy

"Give me liberty, or give me credit!" -PlasticDad

Message 9 of 12
Established Contributor

Re: Approved - Citi Simplicity

What is HUCA?

Message 10 of 12
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