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Citi Simplicity Card

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Citi Simplicity Card

I live in Orange County CA and I app'd on 3/1/19 - I was approved for $3,900.


I’m confident the starting limit had to do with Wells Fargo and Amex pulling my Experian Credit Report moments before Citi completed their inquiry. I might be wrong.

Citi pulled my Experian and Equifax Credit Report. My Experian FICO 9 Score was 706 (per the Wells Fargo). My Equifax FICO 9 Score was 732 (per the PenFed).

My UTL was 8%.

Income is 65k.

I also have a personal loan through Lending Club for 23k.

  • NuVisionFCU - 1k (opened 8/2012) 
  • CapitalOne Quicksilver Rewards - CL $10,500 (opened 12/2014)
  • JCPenney Store CC - CL 6k (opened 12/2014)
  • Disc. IT - CL $13,500 (opened 10/2018)
  • BofA Cash Rewards - CL 5k (opened 10/2018)
  • NFCU - CL 25k (opened 10/2018)
  • PenFed Power Cash Rewards - CL 10k (opened 10/2018)

Feel free to ask me any questions!

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Re: Citi Simplicity Card

Message 2 of 7
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Re: Citi Simplicity Card

Congratulations on the new relationship!

Message 3 of 7
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Re: Citi Simplicity Card

Congrats on approval and very nice SL!!!



Message 4 of 7
Frequent Contributor

Re: Citi Simplicity Card

Congrats! I hoping to maybe snag that card this summer. 

FICO 8 Scores 12/2017: EX-596; TU-604; EQ-591
Current: EX-648; TU-665; EQ-678
AAoA: 4.4 yrs
Message 5 of 7
Senior Contributor

Re: Citi Simplicity Card


awesome congratulations GIF by Slanted Studios

CONGRATS on the Very Nice SL!!!

AMEX BCP $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $15.2K | Citi Rewards WMC $15.5K | Citi Costco VS $12K
Citi Custom Cash WEMC $7.8K | Synchrony (PayPal Credit $6K, Care Credit $15K, & PayPal 2% MC $10K, VENMO VS $6.5K)
PNC Cash Rewards VS $10.5K | NFCU cashRewards VS $14K | NFCU More Rewards AMEX $37.5K | NFCU Flagship Rewards VS $23K
Discover IT $22.5K | BB&T Cash Rewards $4.5K | Macy's AMEX $25K | Bloomingdales AMEX $20K | Apple Card WEMC $9K
PenFed Power Cash Rewards VS $7.5K

Total CL - $284K+
Message 6 of 7
Senior Contributor

Re: Citi Simplicity Card


FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:

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