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‡ Average score refers to the arithmetic mean and typical low score to the 5th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2014 through November 2014. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.
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Low starting limit with a 754 score.
Last time I checked 750 was a EXCELLENT score and based on the forums I've heard the same thing people with stellar credit getting lowballed. Why not just do like crapitalone and give everyone $300....SMH.
APR Hike Scheme
I had this card in the past and one day out of the blue Citi closed my account for some vague reason. I suspect that it was because I didn't use it very often. However, almost immediately Citi started emailing and snail mailing me offers to apply for the card, at a higher APR than I had previously. Yeah, so, the simplicity of this card must refer to Citi's business practices and the audacious way it is marketed to former cardholders.
Perfect Card To Help Pay Off Debt
Approved for 16K which was more then enough to help me transfer
high interest credit card debts and save big $$$ over the 21 month promo rate @ 0% the fee was less then the interest I’d have paid over a 5 month period on just one of the cards I transfered.
Thank you Citi!
What is your approx credit score, in which they approved you for that amount may I ask?
Surprise Credit Line Decrease for Xmas
Cardmember since 2015. I made a $1,000 payment three days ago. Today I receieved an email that may credit line has been reduced by $1,000. I called to see WTF? They told me to call back in a month to review my account. If I had planned any purchases, that could have ruined the holiday.
The website is also pretty buggy. I tried raising the issue to customer service twice, once in March and once in April. 30 minute calls each. They made no effort to fix or escalate.
They ran my equifax my card usage was 14% on all my cards over 10 credit cards and the instanly approve for $7,800 i have a few card with a credit limit over this amount but its always good wen you do an inquiry and the approve you and with this good amount fo credit the adds was Excelente
This makes no sense. Can you please review in decent grammar, spelling & punctuation so we can understand your point?
Don't be an ***....
Tu 725 Equifax 725 Ex 719
They ran my equifax my card usage was 14% on all my cards over 10 credit cards and the instanly approve for $7,800 i have a few card with a credit limit over this amount but its always good wen you do an inquiry and the approve you and with this good amount fo credit
A Good Choice
Definitely the card to get if you need a long amount of time to get some debt paid off. 21 months could be more beneficial than a lower interest rate in some cases. But no matter what you do pay these people they money back so you can get outta debt and stop making them rich. "Interest rate is the penalty you pay in advance for something that you can not afford" repeat this over and over until it sinks in your head. When you feel sick to your stomach then my friend you fully understand that statement.
Stop preaching and give an actual review, please.
Yessir. Instrest is rhe penalty that broke people pay for being broke.
CKarmaPolice you are DEFINITELY an ***
Powerful statement! 👍
0%
The initial 0% promo on purchases really helped me grow my small business.
Somewhat usefull for intial promo rate
Good only for the initial promo rate, after that trash this card. Zero rewards, that so called Citibank Thankyou program is an insult. Interest rate is outragous. Balance transfers are never worth it. Don't even ask for a CL increase with perfect credit, it's an automatic decline.
Approved for 5500 TU-710 EQ 715
I was instantly approved for 5500 with CITI Simplicity card. Couldnt be happier, really helped me out when I needed it, very clutch as Im making ttransitions between colleges and work. I talked to customer service who were respectful and seemed helpful.
Hello...What were your bureau scores? Your utilization %? And how many hard inquiries did you have when you applied? Who did Citi pull from when you applied? All three bureaus? Thanks :)
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