Citi Simplicity approved

darkfrosty · ‎11-16-2015

So I applied to this card to use for a balance transfer since it is 0% for 21 months .. need to transfer about 9k over from another card but of course they approve me for less than that so I have to wait for the card to come and then request an increase .. Will most likely cancel the card after the balance is paid off.

CSR | Ink Business Preferred | Amex Platinum | NFCU Cash Rewards

joeaseer · ‎11-17-2015

Well Congrats on the approval and knowing what you want from the card and not being afraid to use it for your best interests.

EQ Score: 784 | TU Score: 758 | EX Score: 760 | Goal Score: 800+
INQ = TU: 1 | EQ: 0 | EX: 4
Utilization: 0% usually or at most 1% - 3%.
Amex BCE (Approved: 11/2015): $24k ($6k SL) | Discover IT (Approved: 07/2015): $16k ($1k SL)
Citi DC WEMC (Approved: 07/2016): $14.5k ($4.6k SL) | Chase SR (Approved: 01/2017): $11k
Chase Freedom Unlimited (Approved: 07/2016): $7.5k | Chase Freedom (Approved: 12/2014): $5k ($500 SL)
Citi Simplicity (Aprroved: 07/2018): $4.5k | Total CL: $82.5k

sreneesa · ‎11-17-2015

Congratulations!

I have been receiving so many mailer offers for Simplicity and Diamond.... would love to take advantage of balance transfer but don't due to predictable low starting limits. A shame really. I need to be approved for at least 9000 in order for it to be useful for BT. lol

Country_Feller · ‎11-17-2015

Congratulations!!!

myFICO=EQ 702, TU 716, EX 743br>EQ=11//TU=15//EX=11/Util 14%. Gardening since 01/02/2017.

Anonymous · ‎11-17-2015

Very nice.. Enjoy it.

alextercero · ‎11-17-2015

Congrats

Current Credit Cards

NFCU More Rewards | CL $4500 | APR 15.40% | 08/2021

Capital One Quicksilver One | CL $6600 | APR 31.74% | 09/2021

Capital One Quicksilver | CL $5500 | APR 31.74% | 02/2022

NFCU Cash Rewards | CL $4500 | APR 15.40% | 06/2022

Goldman Sack Apple Card | CL $6400 | APR 23.74% | 02/2024

NFCU Go Rewards | CL $33000 | APR 13.74% | 03/2024

CITI Bank Custom Cash | CL $3900 | APR 29.74% | 08/2024

Discover it | CL $3000 | APR 29.74% | 11/2024

CITI Bank Rewards+ | CL $5200 | APR 29.74% | 12/2024

Currently rebuilding as of (May 2021)

Current Fico Scores 8/9: (December 2024)

Credit Age:

Inquiries:

Anonymous · ‎11-17-2015

Congratulations!

willwar14 · ‎11-17-2015

congrats!

CH7 FILED: 08/18/2022, DC: 01/23/2023

Anonymous · ‎11-27-2015

so what bureau was pulled? your score? i need a B/T card with a 720 CreditKarma score on TU? is this the card to apply? 21 mos sounds good enough?

NRB525 · ‎11-27-2015

@Anonymous wrote:
so what bureau was pulled? your score? i need a B/T card with a 720 CreditKarma score on TU? is this the card to apply? 21 mos sounds good enough?

If you go to the Citi website and run the prequalification tool, put in Balance Transfer as your request, what turns up? If you get something like Simplicity with one APR listed (after the promotion APR of course) then the odds are good that you can get approved for that APR. If only a range of APR turns up, or there's no prequalification proposed, then you should wait longer. Keep checking back every couple of months to gauge your progress.

The Citi prequalification tool is the best feedback you will get about your chances for a Citi card.