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.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0% for 21 Months
- Balance Transfer Regular APR 16.24% - 26.24% Variable
- Annual Fee $0
- Purchase Intro APR 0% for 12 Months
- Purchase Regular APR 16.24% - 26.24% Variable
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Most Helpful Negative Review
Citibank has a practice of reducing your credit line if you make large payments. The only other bank I see do this on occasion is Discover. If your intention is to pay down debt this card isn't for you. The reduced credit will impact your score.
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