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Citi simplicity

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Anonymous
Not applicable

Citi simplicity

So I've been looking at the citi simplicity and might take advantage of the 18 month interest free. If I did do it I'd want to transfer 2500 or so. Does anyone know how citi are with there initial credit limits?  I have amex blue 5000CL, Barclay 3500CL and discover 3500CL. 

What are the chances they'd match my amex?

Message 1 of 8
7 REPLIES 7
OnTheRebound
Established Contributor

Re: Citi simplicity

My wife has:

 

Chase Freedom- $11K CL

PenFed Cash Rewards- $6K

Amex BCP- $6K

CareCredit- $5K

Lowes- $10K

 

She was recently approved for the Citi Simplicity for $1200.00.

Amex BCE $11.1 / Citi Diamond Preferred WMC $12K / Citi Double Cash WMC $3.8K / Comenity Total Rewards Visa $2.5K / Citi Home Depot $5K / AU- Amex BCP $12K / Chase Freedom Visa $11014.00 / PenFed Platinum Rewards Visa Signature $6K / GE Lowes $10K
myFico Scores on 10/03/2014
Eq 798 / Exp 811 / Trans 814
CCT Fico 08 on 1/3/16 - Trans 786 / Exp 793 / Eq 797
Message 2 of 8
distantarray
Established Contributor

Re: Citi simplicity


@OnTheRebound wrote:

My wife has:

 

Chase Freedom- $11K CL

PenFed Cash Rewards- $6K

Amex BCP- $6K

CareCredit- $5K

Lowes- $10K

 

She was recently approved for the Citi Simplicity for $1200.00.


that's a little odd Citi is usually decent with CL's


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 3 of 8
CribDuchess
Established Contributor

Re: Citi simplicity


@Anonymous wrote:

So I've been looking at the citi simplicity and might take advantage of the 18 month interest free. If I did do it I'd want to transfer 2500 or so. Does anyone know how citi are with there initial credit limits?  I have amex blue 5000CL, Barclay 3500CL and discover 3500CL. 

What are the chances they'd match my amex?


I think it's going to depend on your credit file, FICO scores, and income, but if those are good, then you probably have a decent chance at getting $5,000 or more to start.

My DH was approved for the Citi Simplicity card back in May - his starting limit was $7,400 and he just got a CLI to $11,400 (soft pull).  I just applied for the Simplicity card yesterday and was approved with a starting limit of $10,900.  My Amex Optima is still reporting a limit of $9,600, so they did exceed my highest Amex limit.

 

Good luck if you decide to pull the trigger!!

FICOs: TU08 842 EQ08 850 EX08 850

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex BCE $12K; Apple Card $20K; BofA Travel Rewards Visa Sig $67.6K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Chase Freedom Unlimited $21.4K; Citi Costco Visa $19.3K; Citi Double Cash $13.5K; Citi Simplicity Visa $23.3K; Discover IT $50K; Fidelity Visa $25K; NFCU Flagship Visa Sig $40K; NFCU More Rewards Amex $30K; PenFed Plat Rewards Visa Sig $50K; Sears MC $10.1K; US Bank Altitude Go Visa Sig $20K; US Bank Cash+ Visa Sig $26K; Wells Fargo Rewards Visa Sig $14K
Message 4 of 8
OnTheRebound
Established Contributor

Re: Citi simplicity


@distantarray wrote:

@OnTheRebound wrote:

My wife has:

 

Chase Freedom- $11K CL

PenFed Cash Rewards- $6K

Amex BCP- $6K

CareCredit- $5K

Lowes- $10K

 

She was recently approved for the Citi Simplicity for $1200.00.


that's a little odd Citi is usually decent with CL's


Go figure. Our scores, reports and incomes are very similar. Two plus years ago, they approved me for the Platinum Select with a $8.7K starting CL. Now $12K. 

Amex BCE $11.1 / Citi Diamond Preferred WMC $12K / Citi Double Cash WMC $3.8K / Comenity Total Rewards Visa $2.5K / Citi Home Depot $5K / AU- Amex BCP $12K / Chase Freedom Visa $11014.00 / PenFed Platinum Rewards Visa Signature $6K / GE Lowes $10K
myFico Scores on 10/03/2014
Eq 798 / Exp 811 / Trans 814
CCT Fico 08 on 1/3/16 - Trans 786 / Exp 793 / Eq 797
Message 5 of 8
Anonymous
Not applicable

Re: Citi simplicity

Thanks for the feedback everyone. My credits decent enough, income shouldn't be a concern either. Still not sure if I'm going to go for it or not, but appreciate the info. Really just want to make sure I'm moving forward with my credit limits. 

Message 6 of 8
xxdeanerxx
Established Member

Re: Citi simplicity

I have the Amex Blue with a 5k limit as well. Was approved for the Simplicity with a matching 5k limit. Accidently applied again, gave me another Simplicity with a 1,200 limit. Go figure!

Amex Blue 5k I Citi Simplicity 6.2k I Cap1 Platinum 1.25k I AE 700 I Walmart 900

Message 7 of 8
ccnewcc
Established Contributor

Re: Citi simplicity


@Anonymous wrote:

So I've been looking at the citi simplicity and might take advantage of the 18 month interest free. If I did do it I'd want to transfer 2500 or so. Does anyone know how citi are with there initial credit limits?  I have amex blue 5000CL, Barclay 3500CL and discover 3500CL. 

What are the chances they'd match my amex?


Well with the cards you already have why would you want the Simplicty?

 

The simplicity is not a rewards card.  It has 0% APR on BT for 18 months, but so does the Diamond Prefered, which isn't a rewards card either except that it does have the free concerige service.

 

Even the Dividend has 0% APR on BT but for 12 months and it at least is a true rewards card that at bear minimum offers 1% CB.

Message 8 of 8
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