Citi simplicity card is a balance transfer card that is restively straightforward in its benefits and reward offers. It offers an introductory APR on purchases and balance transfers when you open the card.
However, the no annual fee cards do not offer as much as this card offers. Its benefits are minimal and its variable APR rates are relatively high. Follow this article carefully and get a perfect explanation of this card.
Citi Simplicity Card
Citi is one of the largest credit card issuers in the United States in terms of card availability or card circulation and outstanding balances. It was also among the first issuers of rewards credit cards. Hence, with all its quality, its simple card cannot be anything different from other interesting cards it has brought out.
Citi Simplicity is the best to pick from in other to make a smooth balance transfer. While balance transfer cards require transfers to be completed within 60 to 90 days, the simplicity card gives you four months. Hence, you will have enough time to yourself.
Citi Simplicity Card Reviews
A Citi simplicity card is a great option or choice for those seeking a long-term balance transfer card or those with plans to make a large purchase. The card offers 0% intro APR for 21 months on balance transfer from the date of first transfer.
And 0% intro APR doe 12 months on purchases from the date of account opening. Hence, after that is done, the variable APR will be 16.24% to 26.24%, based on your creditworthiness.
The Citi simplicity card can help you pay down debt or finance a large purchase. Its standout feature is a lengthy 0% intro APR period for a balance transfer. That could make it a good choice for tacking existing debt, but this card earns no rewards.
Citi Simplicity Card Credit Score
The Citi simplicity card credit score requirement is 700 or more, meaning that you need at least good credit to get this card. The credit score is very important as your card approver highly depends on it. Hence, your good or better credit would be of useful help in other for your card to be approved. Moreso, you would be accessible to good odds for approval.
Citi Simplicity Card Credit Limit
The Citi simplicity card credit limit is at least $500 if you get approved. That is the minimum limit listed in the card’s teams and conditions. However, your maximum credit line could be as high as $5,000, according to anecdotes from credit card holders.
The highest credit limit you can get is over $100,000 according to anecdotes from credit card holders. But like most credit cards in general, even the highest limit credit cards will only list minimum spending limits in their items. The limit credit cards offer spending limits of $10,000 or more.
Citi Simplicity Card Application
Your Citi simplicity card approval odds are good if you have a credit score of 700 and have taken steps to apply for the card. Hence, without application, you will not be able to access the card and its benefits. However, if you are finding it difficult to apply for this card, we will be giving you guides on how to apply for the card.
How to Apply for Citi Simplicity Card
Here are simple but important steps to help you apply for a card on the Citi website?
- Visit the Citi website at https://www.citi.com/credit-cards/citi-simplicity-credit-card.
- Click on the “apply now” button at the top right side of the website.
- Wait for the page to load.
- Fill out the application form with your “name”, “SSN code”, “date of birth”, and “suffix”. Etc.
- Click on the “yes” button to confirm you are a “US” citizen.
- Fill out the address form with your “address”, “zip code”, ‘city”, and “state”. Etc.
- Go through other information on the website.
- Scroll down the website.
- Click on the “agree and submit” button.
Follow all other instructions on the website to complete the process on-site.
Citi Simplicity Card Pre-Approval
Is Citibank hard to get approved? You need a credit score of at least 700 for a Citi card in most cases to be approved. This means applicants for Citi credit cards need at least good credit to be approved.
Some Citi credit cards require higher cores and one accepts applicants with limited credit history. But the Citi simplicity card is one card that demands a fair and good credit score. Hence, when you have that, you will get pre-approval which will, in turn, lead to your card approval.
Citi Simplicity Card Activation
Citi simplicity card activation is very necessary if you must use your newly gotten card. In other words, your card can only be functional when you must have activated it. However, if you find the activation process difficult, you should check out our next heading for guidance.
How to Activate Citi Simplicity Card
How can I activate my card? Is it important to activate my card after I have gotten it? Can I use my card without activation? Well, you can use your Citi card without activation. But if you find the process difficult, then you can use the steps below as guides:
- Lunch the website on your web browser or you can click on https://www.citi.com/credit-cards/citi-simplicity-credit-card.
- Click on the “sign on” button at the top right side of the website.
- Tap on the “activate” button below the log-in form.
- Wait for the page to load.
- Enter your “card number”.
- Click on the ‘continue” button.
Use the on-screen instruction to complete the process on the website.
Citi Simplicity Card Payment
Citi credit card bills can be paid over the phone, at a nearby ATM and at the Citi bank. Either way, you can get your card bills paid without much stress. However, if you want to make a payment at an ATM, you will have to visit a card issuer branch location near you to do that.
Moreso if is at the Citi bank, you will have to visit the bank to make payments and if it’s online, you will contact the bank customer service through the website.
Citi Simplicity Card Benefits
Although there are not many benefits that come along with the Citi simplicity card it does offer some extra perks that you may find useful, including:
- Citi identity theft solutions.
- Automatic account alerts.
- $0 liability on unauthorized charges.
- No annual fee.
- Long 0% APR introductory promotion for purchases.
- Very long 0% APR introductory promotion for a balance transfer.
- No penalty APR or late fees.
These and many more are benefits that come with the card.
Citi Simplicity Card Customer Service
There is no way the help of customer service can be overlooked. Hence, in one way or the other, you would need them for something. And just like the way they were designed; they are always open to customers no matter what. Use the steps below to reach out to the customer service department for help:
- Navigate the website on your web browser or you can click on https://www.citi.com/credit-cards/citi-simplicity-credit-card.
- Scroll down the website.
Use the contact below the “contact us” button to reach Citi customer service for the help of any kind.
Citi Simplicity Card Sign Up
As an anticipating card holder, it will not be a bad idea to have an account with Citi bank. However, the bright part of this is, that when you have an account, you will be accessible to all offers from the bank. Hence, your first step should be opening an account with the bank, then the second would be signing up for an account which is also called online access.
How to Sign up for a Citi Simplicity Card Account
Here are simple steps to consider when you want to sign up for an account or online access:
- Go to https://www.citi.com/credit-cards/citi-simplicity-credit-card.
- Click on the “sign on” button at the top right side of the website.
- Tap on the “register” button below the log-in form given.
- Tap on the “credit/debit card number” button.
- Then click on the “continue set up” button.
Follow all instructions on the website to complete the process on the website.
Citi Simplicity Card Login
In other to manage your account, you will have to operate an activated account. However, this can only be done, when you log in to your account as often as you can. Well, if you don’t know how to go about it, we are just here to put you through it.
How to Log in to the Citi Simplicity Card Account
Have you tried logging in to your account and you find it difficult? Well, you can use the outline guides below go log in to your account:
- Access the website at https://www.citi.com/credit-cards/citi-simplicity-credit-card.
- Fill out the log-in form on the right side of the website with your “user ID” and “password”.
- Tap on the “remember me” button below the form given.
- Click on the “sign on” button.
Use the above carefully and you will have easy access to your account.
What Kind of Card is Citi Simplicity?
The Citi simplicity card is issued on the Mastercard network and provides cardmembers with exceptional value through its low intro APR, no late fees, no rate and no annual fee.
Is Citi Simplicity Hard to Get?
Your Citi simplicity card approval odds are good if you have a credit score of 700. That means you need good credit or better to have a shot at getting approval odds for the Citi simplicity card will also be influenced by your annual income and existing debts.
Does Citi give Highest Credit Limit?
The highest credit card limit you can get is over $100,000 according to anecdotes from credit card holders. But like most credit cards in general, even the highest-limit credit cards will only list minimum spending limits in their terms. The best high-limit credit cards offer to spend limits of $10,000 or more.
Does the Citi card have an annual fee?
The Citi Premier Card has a $95 annual fee. The Citi Premier Card provides other benefits such as no foreign transaction fees1, no limit to the number of points earned, no expiration on points earned, free access to view your FICO Score, and more.
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