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Applied on Monday for the Citi Simplicity since I wanted to transfer my $7000 PRG balance so that I had a bit more time to pay it off. Now I have almost 2 years to pay it off with 0% interest.
Initially applied for the slate, but Chase wanted me to unfreeze TU - didn't really want them to pull TU since it had 4 new inquiries from last month - so that got denied but no HP.
Citi pulled experian which at the time was 744 I believe, although the approval page stated that it was 749 (perhaps different model than what CCT shows).
In any event, was granted a pretty great SL of 11.2K, far more than I expected.
I wasn't expecting an instant approval either based on my experience with my Chase Ritz app.
I thought I was going to have to call and try and get a CLI at least up to $7000.
Was planning on PCing the card to something else after the 2 year mark, but I've since learned that I can't PC the Simplicity. Oh well. APR isn't bad at 16.24%, although higher than my Discover and NFCU.
More about the whole process here
Correct: nothing can be PCed to a Simplicity, and Simplicity can't be PCed to anything.
Congratulations though, it is a very good BT card. Even after the promo rate ends, you will still get frequent 12-18 month 0% BT offers and checks in the mail. They've also given me 3 months of 5% back on clothing, electronics, toys & department stores, and 1.99% purchase APR promos two years in a row on that card. Pretty neat.
Thanks guys
@Anonymous wrote:Even after the promo rate ends, you will still get frequent BT offers and checks in the mail. They've also given me 3 months of 5% back on clothing, electronics, toys & department stores, and 1.99% purchase APR promos two years in a row on that card. Pretty neat.
Did not know that about the Simplicity! Even more excited it about it now!
@Anonymous wrote:Correct: nothing can be PCed to a Simplicity, and Simplicity can't be PCed to anything.
Congratulations though, it is a very good BT card. Even after the promo rate ends, you will still get frequent 12-18 month 0% BT offers and checks in the mail. They've also given me 3 months of 5% back on clothing, electronics, toys & department stores, and 1.99% purchase APR promos two years in a row on that card. Pretty neat.
Wow. thanks for the info on Simplicity.
Congrats!
@thummel wrote:
Decided to check out citi too? Congrats on the approval!
Yep, thanks for the suggestion!
Yes unfortunately the Simplicity is one product that cannot be PCd because of the unique fee / penalty APR setup.
That said, it still serves a purpose for a time for some people.
@Anonymous wrote:Applied on Monday for the Citi Simplicity since I wanted to transfer my $7000 PRG balance so that I had a bit more time to pay it off. Now I have almost 2 years to pay it off with 0% interest.
Initially applied for the slate, but Chase wanted me to unfreeze TU - didn't really want them to pull TU since it had 4 new inquiries from last month - so that got denied but no HP.
Citi pulled experian which at the time was 744 I believe, although the approval page stated that it was 749 (perhaps different model than what CCT shows).
In any event, was granted a pretty great SL of 11.2K, far more than I expected.
I wasn't expecting an instant approval either based on my experience with my Chase Ritz app.
I thought I was going to have to call and try and get a CLI at least up to $7000.
Was planning on PCing the card to something else after the 2 year mark, but I've since learned that I can't PC the Simplicity. Oh well. APR isn't bad at 16.24%, although higher than my Discover and NFCU.
More about the whole process here
Congrats on your approvel very nice SL! Do you know if Citi also pulled your EQ for approval,as they have been know to do with other cards?