Is Citi Simplicity hard to get?

Asked by: Arthur Macejkovic DDS  |  Last update: February 26, 2024
Score: 4.6/5 (16 votes)

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 approved. Your approval odds for the Citi Simplicity Card will also be influenced by your annual income and existing debts.

Is Citi Simplicity Card easy to get approved for?

The Citi Simplicity Card credit score requirement is 700 or higher. This means that you need at least good credit to get this card. It is also worth noting that you never can be 100% sure whether you'll be approved just by credit score alone.

Does Citi Simplicity do a hard pull?

If you're still not sure about the Citi Simplicity® Card, here are some other card features that may factor into your decision. No ability to prequalify — There isn't an option to prequalify for this card, so when you submit your application, expect a hard credit inquiry.

What FICO score do you need for Citi Simplicity Card?

You should have good to excellent credit before applying, which means a FICO® Score of at least 670.

What is the minimum credit limit for Citi Simplicity Card?

The Citi Simplicity Card credit limit is $500 at a minimum, according to the card's terms and conditions.

Citi Simplicity Credit Card Review | Citi Simplicity Card WORTH IT?

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What is the highest credit limit for Citi Simplicity?

The credit limit you receive when opening the Citi Simplicity® Card will depend on your creditworthiness. You can receive a credit line as low as $500 — and data points show that it's possible to receive a credit line over $14,000.

What is the max credit limit for Citi Simplicity?

The Citi Simplicity® Card may give high credit limits to people with good-to-excellent credit, a lot of income, and relatively little debt. The minimum credit limit is $500, and some cardholders report having limits as high as $14,000.

What are the disadvantages of Citi Simplicity?

Citi Simplicity cons

Once the introductory period is over, the regular APR ranges from 19.24% - 29.24% (Variable). Paying an interest rate this high won't help you pay down debt over the long run. No rewards: The Citi Simplicity doesn't offer points, travel miles or cash back.

Which Citi card is easiest to get?

The easiest Citi card to get is the Citi® Secured Mastercard®, since it's the only Citi credit card that will accept applicants with limited credit (less than 3 years of credit history). This card requires a $200 refundable security deposit, but it has a $0 annual fee.

Is Citi Simplicity a good credit card?

The Citi Simplicity is a good choice for anyone learning to manage their credit cards and tackle their debt. If you are someone who may end up paying late, the Simplicity card's lack of late fees and penalty APR make it one of the most forgiving balance transfer cards.

Who does Citi Simplicity pull from?

Experian is the most commonly used source that Citi will draw a report from, but there's no guarantee that they won't decide to pull a different or additional report from another reporting agency. If you're not certain your score is good enough to be approved, you can work on improving your credit.

Does Citi Simplicity increase credit limit?

How Often the Citi Simplicity Card Increases Your Credit Limit. Automatic: It may be possible to get an increase every six to 12 months. By request: You can request a credit limit increase every six to 12 months.

What are the perks of Citi Simplicity Card?

The Card that keeps it Simple
  • 10% INTEREST BACK. Pay at least the minimum due on or before the due date and get 10% back on interest charges. ...
  • NO ANNUAL FEES. Enjoy no annual fees every single year, how simple!
  • 10% INTEREST BACK. ...

Is Citi Simplicity a master or visa?

Is the Citi Simplicity® Card a Visa or Mastercard®? 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 penalty rate and no annual fee - ever.

How long does it take to get approved for Citi Simplicity Card?

Citi's card application processing time frame is normally within 30 days, though they may give you a decision much more quickly. If you don't hear back within this period, it means that your application may need to be reassessed. Don't assume, however, that this means you have been rejected.

Does Citi approve instantly?

You can apply for a Citi credit card online, in a branch, or by calling (800) 248-4226. Applying for a Citi credit card online is the best approach because you can access the Citibank website anytime, and you may receive an instant decision.

What is the hardest Citi card to get?

The most difficult Citi card to get is the Costco Anywhere Visa® Card by Citi, since it's their only consumer card that requires excellent credit to qualify. You also need to join Costco if you're not already a member and earn enough income to afford monthly payments on the card.

What is the #1 credit card to have?

The best credit card overall is the Wells Fargo Active Cash® Card because it gives 2% cash rewards on all purchases and has a $0 annual fee. For comparison purposes, the average cash rewards card gives about 1% back. Cardholders can also get an initial bonus of $200 cash rewards after spending $500 in...

Does Citibank approve bad credit?

The best Citi credit card for bad credit is the Citi® Secured Mastercard® credit card because it has high approval odds as a secured credit card. It is open to applicants with limited credit, but there are some online forum reports of consumers getting accepted with bad credit. There are no guarantees, though.

Can I use my Citi Simplicity Card at Costco?

Yes, you can use your Citibank card at Costco if it's a Visa card. Costco accepts all Visa credit cards as a form of payment, along with cash, debit cards, checks and mobile payments, but it does not accept Mastercard, Discover, or American Express credit cards.

Can I have 2 Citi Simplicity cards?

Yes, you can have 2 Citi Simplicity® Cards. Citibank does not limit the number of credit cards you can get, so you can be approved for more than one Citi Simplicity Card, as long as you meet the credit and income requirements for each.

What is the difference between Citi Simplicity and Diamond Preferred?

Citi Diamond Preferred: It Comes Down to Fees. They both offer a long 0% intro APR period on balance transfers. But the Simplicity features a smaller balance transfer fee, plus late-payment forgiveness.

What credit card has a $100000 limit?

On our list, the card with the highest reported limit is the Chase Sapphire Preferred® Card, which some say offers a $100,000 limit. We've also seen an advertised maximum credit limit of $100,000 on the First Tech Odyssey Rewards™ World Elite Mastercard®, a credit union rewards card.

What is the average credit limit for Citibank?

Here's the average credit limit of members who matched their Citi® Double Cash Card or similar cards. The average credit limit for members who have matched with this card or similar cards is $5,535, with $500 being the most common.

Does Citi give high credit limits?

The Citi® Diamond Preferred® Card credit limit starts at $500 and can range over $10,000 for the most creditworthy borrowers. According to Citi, it bases your credit limit on the following: Your annual salary and wages. Any other annual income.