Citi Simplicity Approved

[Anonymous]

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

[Anonymous]

Citi Simplicity isn't allowed to product change?

Congrats anyways!

[Anonymous]

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.

[Anonymous]

Thanks guys

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@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.

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Did not know that about the Simplicity!  Even more excited it about it now!

[Jerry45]

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@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.

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Wow. thanks for the info on Simplicity.

[Anonymous]

Congrats!

[thummel]

Decided to check out citi too? Congrats on the approval!

[Anonymous]

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@thummel wrote:
Decided to check out citi too? Congrats on the approval!

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Yep, thanks for the suggestion!

[kdm31091]

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.

[credit_endurance]

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@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

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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?