Opinions about Simplicity

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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InCreditWeTrust
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Opinions about Simplicity

Postby InCreditWeTrust » Mon Aug 27, 2012 10:15 pm

Greetings,

What do you guys think about the Citi Simplicity and it's pros and cons, and which type of credit card user does it suit best.


Crashem
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Postby Crashem » Tue Aug 28, 2012 1:40 am

I basically think it is worthless. The idea behind card is that you don't have to worry about things like late fees and penalty apr. However it really isn't a low interest card as other Citibank cards are just as low apr if not lower. So what do you give up for no late fees and no penalty apr? You get no rewards. Basically not worth it. Avoid it.
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Postby hematino » Tue Aug 28, 2012 11:12 am

The only time a Citi Simplicity might be a reasonable choice is if you have a balance transfer that you need a while to pay off. Simplicity seems to be geared toward those looking for BT offers, with its 18 month 0% BT option. However being a Citi card, you get everything that comes with it including piss poor customer service and the possibility of doing a product change to a better card once Simplicity has served its purpose very unlikely.

If you really need to open a card strictly for a long term 0% balance transfer, Chase Slate is a better option, it's still a useless card except for the BT option, but after a year it can be converted to a Freedom card and still report as the same account, and the customer service is way better. Slate only offers 15 months though instead of 18. Discover also offers an 18 month 0% BT offer for the More card, but can be stingy at times with initial credit limits.
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Postby m20e3087 » Tue Aug 28, 2012 1:30 pm

I had the card when it 1st came out, when the color use to be white. Its worthless, I ended up coveting over to CITI Dividend.
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InCreditWeTrust
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Postby InCreditWeTrust » Tue Dec 25, 2012 2:41 am

Update:

I think I will want to leave Citi Bank Simplicity credit card and opt for a more rewarding credit card. Simplicity seems nice if you want to do bank transfer or worry about late fees, but other than the name Citi Bank on the card it doesn't really do much for me. I will look into other Citi bank cards in the future, if anyone has suggestions and reasons why I would appreciate that.


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Postby Money card » Thu Dec 27, 2012 9:56 pm

I believe it's a low intrest card like the chase slate, American express clear card. I think you get no rewards. it's for people who can't pay there bills in full. no rewards but a very low intrest rate.



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