•Introduction
The Citi Simplicity credit card is meant for individuals who are focused on paying down a large balance rather than earning rewards. It is meant for individuals who are searching for one of the longest interest free balance transfers periods and also for individuals who won’t take advantage of perks like damage and theft protection. Despite not having a rewards program and a higher than average balance transfer fee, the Citi simplicity credit card is a good option for users who need time to pay off some debt. When you carry a large balance, you could be saving significant money on interest by taking advantage of an offer like this. This credit card comes with no late fee or penalty APR. It comes with a higher than average balance transfer fee which can make a significant difference in your interest savings.
This credit card doesn’t charge a late payment fee no matter how many times you pay late. The most amazing feature is its introductory offer for balance transfers. Users get a 0% APR for the first 18 months on balance transfers made in the first four months. Thus card also offers cardholders a 0% APR on new purchases for the first 18 months. After the introductory period ends, the Citi simplicity charges a variable APR from 14.74% to 24.74% depending on your creditworthiness and prime rate. This credit card offers no rewards program on the downside, it doesn’t maintain much long term value after you pay off your balance. This card is designed for individuals with an excellent credit score of 740-850. You must ensure you meet those qualifications before you apply. It has a transfer fee of $5 or 5 percent. It has an introductory purchase APR of 0% for 12 months. It has a regular APR of 14.74-24.74%, this value is variable.
•Benefits
1) It comes with additional perks despite not having an annual fee and a rewards program
2) Damage and theft protection
3) No late fees or penalties
4) It has an EMV chip
5) No annual fee
6) Access to a customer service
7) Automatic account alerts to help you receive notifications on any suspicious transaction.
-How to apply
Before applying for this card, you should make sure you have a decent history of ontime payments to boost your chances of getting approved. To apply :
• Launch your web browser and visit Citi Simplicity Credit Card application page
• Choose apply now in the middle of the page
• Fill in your personal information such as first name, middle name and last name
• Also enter your home address, social security number, date of birth, country of citizenship
primary phone number
• Enter your address and also create a security word
• Fill in your financial details such as your total annual income and monthly mortgage
• Tap on agree and submit.
To have access to your account :
• Visit the Citi Simplicity credit card login page via your web browser
• fill in your user ID and your password in their respective fields
• Then, tap on sign in.
The Citi Simplicity credit card is meant for individuals who are focused on paying down a large balance rather than earning rewards. It is meant for individuals who are searching for one of the longest interest-free balance transfers periods and also for individuals who won’t take advantage of perks like damage and theft protection. Despite not having a rewards program and a higher than average balance transfer fee, the Citi simplicity credit card is a good option for users who need time to pay off some debt. When you carry a large balance, you could be saving significant money on interest by taking advantage of an offer like this. This credit card comes with no late fee or penalty APR. It comes with a higher than average balance transfer fee which can make a significant difference in your interest savings.
This credit card doesn’t charge a late payment fee no matter how many times you pay late. The most amazing feature is its introductory offer for balance transfers. Users get a 0% APR for the first 18 months on balance transfers made in the first four months. Thus card also offers cardholders a 0% APR on new purchases for the first 18 months. After the introductory period ends, the Citi simplicity charges a variable APR from 14.74% to 24.74% depending on your creditworthiness and the prime rate. This credit card offers no rewards program on the downside, it doesn’t maintain much long-term value after you pay off your balance. This card is designed for individuals with an excellent credit score of 740-850. You must ensure you meet those qualifications before you apply. It has a transfer fee of $5 or 5 percent. It has an introductory purchase APR of 0% for 12 months. It has a regular APR of 14.74-24.74%, this value is variable.
•Benefits
1) It comes with additional perks despite not having an annual fee and a rewards program
2) Damage and theft protection
3) No late fees or penalties
4) It has an EMV chip
5) No annual fee
6) Access to a customer service
7) Automatic account alerts to help you receive notifications on any suspicious transaction.
-How to apply
Before applying for this card, you should make sure you have a decent history of ontime payments to boost your chances of getting approved. To apply :
• Launch your web browser and visit Citi Simplicity Credit Card application page
• Choose apply now in the middle of the page
• Fill in your personal information such as first name, middle name and last name
• Also enter your home address, social security number, date of birth, country of citizenship
primary phone number
• Enter your address and also create a security word
• Fill in your financial details such as your total annual income and monthly mortgage
• Tap on agree and submit.
To have access to your account :
• Visit the Citi Simplicity credit card login page via your web browser
• fill in your user ID and your password in their respective fields
• Then, tap on sign in.
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