Good for Long-term Balance Transfers
I applied for the Citi Simplicity card on Nov 5, 2018 - CK Scores TU - 738, EQ - 746. They pulled my Equifax report. Stated income was $78k, and I had $29k of personal cards at that time with about 12% utilization. Approved for $6,600. Wanted to do balance transfer but had nothing that needed transfering for a few months. By the time I got around to needing to do the transfer, the program had ended. There's a time limit for how long you can do balance transfers, which I was made aware of but forgot about. My one experience with Customer Service was satisfactory. I've used the card for some small purchases to take advantage of that interest free period.
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Simplicity is a solid card
The card has been excellent for myself. CLI's every 6 months and no hidden fees. Was dissapointed they erased the rental car benefits though.
must be out of New York?
BECAUSE EVERYONE YOU TALK TO IS RUDE AND STUPID AND IN A HURRY!
Actually not a New York thing. It’s a people thing.
VERY DISAPPOINTED IN CUSTOMER SERVICE
(1) CAN NOT TRANSFER FROM ANOTHER CITI ACCOUNT AND THEY DID NOT TELL ME UNTIL I CALLED TO FIND OUT THE STATUS
(2) WILL NOT CHANGE THE DUE DUE DATE FOR THE CONVENIENCE OF THE CUSTOMER - MUST WAIT A YEAR FROM THE CARD ORIGINATION
I love it
I don't see why there's so many bad reviews. Citi and another bank were the only ones to give me such a high line of credit. I decided to ask for an increase a couple months back and customer service was great and they gave me a several thousand dollar increase. I'm quite pleased with them and my monthly payments are super low on this card compared to others.
What’s your credit line?
This is an amazing balance transfer card
If you are looking to transfer any balances you should definitly apply for this card! It has the longest 0% on balance transfers promotional period on the credit card market!
Wont transfer the balance
Opened account on August 23rd, via CreditKarma, specifically for balance transfer. Today is September 17th, and they still haven't completed it. I have gone to them repeatedly that something is wrong, and I just get the "rest assured, it will be a few more days".
I am sure it's fine once they actually do what they say, but so far the service is atrocious.
I did a balance transfer to a discover card last fall and it took just over a month for it to go through. It was the first time i've ever done a balance transfer and was told that 4-6 weeks was the average time frame.
Website terrible
I have to call in every month to make my payment because the website and app NEVER works! So inconvenient!!
Maybe you don’t know how to use it
I use the app every month, it works perfectly fine.
The card itself might be ok, but their customer service, website and app are terrible! The app and website are always not working properly, can’t access accounts, log in stops working. Not worth the hassle.
No balance transfers
I opened this card in 2016. Once the balance transfee ende
they never offer new balance transfer offers. Is a good card though. I give it 3 stars out of 5
I have 4 Citibank cards and have never had a problem with the website nor customer service