myFICO® Forums
Help
cancel
Turn on suggestions
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for 
Search instead for 
Did you mean: 

Citi Simplicity Approved - huge

tag
Get Access Now
cleanitup
Regular Contributor
‎08-03-2017 07:02 PM
‎08-03-2017 07:02 PM

Citi Simplicity Approved - huge

After a lot of careful thought, and a lot of analysis into what i was looking for in a card, and also 4 years of not app'ing for any credit cards.  I looked at everything from US Bank Cash +,  Capital One Venture and Chase Freedom (pre qualified all).   I bit the bullet on Citi Simplicity and was approved for $15,700 immediate reply and email.  I did a balance transfer.  APR. 14.49%, 0% APR for 21 months purchases and BT.

 

I closed the Discover IT, had the card 4 years and nothing $2300.  Not worth it

I closed QVC card, not worth it had the card for 4 years.

 

thanks everyone, you have been a great help to me.

 

Message 1 of 19
18 REPLIES 18
cmm89
Frequent Contributor
‎08-03-2017 07:07 PM
‎08-03-2017 07:07 PM

Re: Citi Simplicity Approved - huge

Congrats on an awesome SL with Citi... my SL was $200, but also my deposit, Smiley Very Happy *shrug* got my rebuild started in September of last year, and I plan on keeping the card until it unsecures to see what they can do for me!

What I use (& strongly recommend): Chase Sapphire Reserve | BofA/ML (Premium Rewards VS, Cash Rewards VS, Merrill+ VS) | AmEx (Amazon Prime Business)

What I have: NFCU | PenFed | General Electric CU | Wright Patt CU | Discover | BBVA | Apple Card (GS)

Total CL with Bank of America = $100,000 (Platinum Honors Merrill Client). I am a CERTIFIED FINANCIAL PLANNER™ practitioner, so feel free to message me if you have any planning/credit questions.

EQ 759, EX 765, TU 771 (06/10/2022)

I started with scores in the 400s in 2016. This forum is a Godsend--focus on the journey, be patient, and you'll definitely get there no matter the circumstances!
Message 2 of 19
Random_idiot
Established Contributor
‎08-03-2017 07:33 PM
‎08-03-2017 07:33 PM

Re: Citi Simplicity Approved - huge

Data points would be lovely, OP

Total Credit Line- $89,300| Personal- $78,650 | Biz- $5,650
Current Score [F9]: EX-721 || TU-759 || EQ-768 || AAoA-2yrs7mo || uti- 1% || 100% payment history || 9 inq
Message 3 of 19
cmm89
Frequent Contributor
‎08-03-2017 07:36 PM
‎08-03-2017 07:36 PM

Re: Citi Simplicity Approved - huge

Looks like they're in his/her profile: 

 

July 2017
FICO08 EX 802, TU 772, EQ 790
Inquiries Ex 0, TU 2, EQ 0

 

Strong profile!

What I use (& strongly recommend): Chase Sapphire Reserve | BofA/ML (Premium Rewards VS, Cash Rewards VS, Merrill+ VS) | AmEx (Amazon Prime Business)

What I have: NFCU | PenFed | General Electric CU | Wright Patt CU | Discover | BBVA | Apple Card (GS)

Total CL with Bank of America = $100,000 (Platinum Honors Merrill Client). I am a CERTIFIED FINANCIAL PLANNER™ practitioner, so feel free to message me if you have any planning/credit questions.

EQ 759, EX 765, TU 771 (06/10/2022)

I started with scores in the 400s in 2016. This forum is a Godsend--focus on the journey, be patient, and you'll definitely get there no matter the circumstances!
Message 4 of 19
Gregory1776
Valued Contributor
‎08-03-2017 07:50 PM
‎08-03-2017 07:50 PM

Re: Citi Simplicity Approved - huge

Congratulations! 👍🏽😁

 

Discover is like my fav right now, so im mad at you. 😡



Experian [817] TransUnion [8**] Equifax [834]

Total Revolving Limits [$236,500]

PenFed Loan: $679/$8,000
Message 5 of 19
cleanitup
Regular Contributor
‎08-03-2017 08:07 PM
‎08-03-2017 08:07 PM

Re: Citi Simplicity Approved - huge

Hi everyone, I am a she.  Not sure what other data points needed.

 

Salary $125k

I have Amex BCE = $15k, Citi DC = $18k, AFCU V = $20k

AAoA 7 yrs give or take a few months

Overall Utilization 11%

 

I am done, be another 4 or 5 years before i apply for anything else.   Smiley Very Happy

 

Message 6 of 19
cleanitup
Regular Contributor
‎08-03-2017 08:10 PM
‎08-03-2017 08:10 PM

Re: Citi Simplicity Approved - huge

Sorry Gregory about Discover.   They just plain hate me.   i am bummed cause its a gorgeous card (silly).   Just doesnt work for me.   

Message 7 of 19
Random_idiot
Established Contributor
‎08-03-2017 08:10 PM
‎08-03-2017 08:10 PM

Re: Citi Simplicity Approved - huge

Sorry sigs not shown on mobile. Well done OP

Total Credit Line- $89,300| Personal- $78,650 | Biz- $5,650
Current Score [F9]: EX-721 || TU-759 || EQ-768 || AAoA-2yrs7mo || uti- 1% || 100% payment history || 9 inq
Message 8 of 19
Gregory1776
Valued Contributor
‎08-03-2017 08:13 PM
‎08-03-2017 08:13 PM

Re: Citi Simplicity Approved - huge

Thats really annoying. Sorry to here it. 😔😢😔



Experian [817] TransUnion [8**] Equifax [834]

Total Revolving Limits [$236,500]

PenFed Loan: $679/$8,000
Message 9 of 19
Anonymous
Not applicable
‎08-03-2017 08:20 PM
‎08-03-2017 08:20 PM

Re: Citi Simplicity Approved - huge

First of all, congrats!  An approval is an approval.  The huge starting line is awesome.

 

Besides one BT, what other benefits attracted you to the Simplicity card?

 

By the way, I have one at $6,300 but where are the benefits after the promo period runs out?

 

The only cards I will ever apply for again are cash back cards. 

Message 10 of 19
† Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.