Are you looking for a simple and easy-to-use credit card that has no annual or late fees? The Citi Simplicity Credit Card is the perfect card for those who want to avoid extra charges.
The Citi Simplicity Credit Card has low introductory rates, making it one of the most popular credit cards to use today. Between its online and mobile banking platforms, you can easily manage your finances with the card’s amazing features that help you save money.
Learn more about the Citi Simplicity Credit Card and find out how you can request one in the following guide.
- Longest Low Introductory APR Period of Any Credit Card
- Get More Payment Flexibility with the Citi Simplicity Credit Card
- Set up Automatic Account Alerts
- Eligibility and Application
Longest Low Introductory APR Period of Any Credit Card
The Citi Simplicity Credit Card is an excellent choice if you want a card with a low introductory annual percentage rate (APR) and if you don’t want to worry about penalty fees and other charges.
This credit card lets cardholders enjoy a 0% introductory APR for up to 21 months on balance transfers and purchases.
However, take note that this is subject to change as your creditworthiness will be a major factor throughout the duration of this offer. After that, the APR will change to 18.24% to 28.99% based on your creditworthiness.
If you’re looking for a card that allows you to pay down your balance without incurring any interest, the Citi Simplicity Credit Card is for you.
Tap and Pay
Contactless pay is now one of the many features of any credit card. This makes it easier for you to do transactions and make purchases especially if you’re on the go. With the Citi Simplicity Credit Card, things are even much easier with its contactless pay feature.
Everything is already set up thanks to its contactless chip-enabled card. Simply tap your card on a contactless payment reader, and it will then process your payment. You will receive a confirmation that the payment is successful.
All of this is done within seconds from the moment you tapped your card on the reader. Contactless payments are now done quickly and securely.
Get More Payment Flexibility with the Citi Simplicity Credit Card
When you have the Citi Simplicity Credit Card, you have the power to choose your payment date by following these simple steps.
Log in to your Citi account online or through the app and select “Manage Payment Date”. Then you can choose the date that works best for you. The available dates start from the 5th to the 28th of each month, allowing you more flexibility in when you want to pay.
Once you’ve chosen your payment date, Citi will then adjust the due dates for all of your monthly bills which includes the minimum payment due, the new balance, and the full amount due.
You can stay on top of your credit card bills now that you have the option to choose which day you want to pay.
Fees and Other Charges
You also need to know that the Citi Simplicity Credit Card makes your life easier by waiving almost all fees that are typically incurred with many other credit cards. For example, with this card, you don’t pay an annual fee. You also don’t have to worry if you pay late as there are no late payment fees.
The card does have a balance transfer fee of either $5 or 3% of the amount of each transfer or whichever is greater.
The Citi Simplicity Credit Card also has a foreign transaction fee starting at 3% of the US dollar amount of each purchase.
Set up Automatic Account Alerts
The Citi Simplicity Credit Card makes managing your account even better by letting you set up automatic account alerts.
Simply log in to your Citi Account and head over to “Accounts”, and choose “Alerts”.
From here, you can select the transactions and activities that you want to receive alerts from on your phone.
It is highly recommended you activate alerts for due payments or transactions done on your account. You can then select to receive alerts via text, email, or both.
Keeping You Safe from Unauthorized Charges
We all know how dreadful it is to learn that your card has had an unauthorized transaction. When you experience this, it is best that you contact customer service immediately to protect your card.
The best part about having the Citi Simplicity Credit Card is that you have zero dollar liability on unauthorized charges, meaning you will never be held responsible for the cost of  the fraudulent charges made on your card or even the fees.
Eligibility and Application
As with many other banks, Citi Bank requires you to provide a statement that will determine your creditworthiness.
This is one of the most important requirements that you will need to prepare for when applying for a Citi Simplicity Credit Card. Your financial and credit history will be an important factor in how many benefits you’ll get with this card.
Once you are deemed eligible, you can apply through the official website. Provide information such as your full name, address, social security number, birth date, mobile number.
You will be asked to declare your total annual income and monthly mortgage payment or rent payment. Make sure you review all the information as well as the Terms and Conditions before applying.
Check Out Their Contact Details
If you have further inquiries regarding the card, you can contact the bank at 1-800-492-2127.
You can also get in touch with Citi Bank by mail at P.O. BOX 9001037, Louisville KY, 40290-1037.
You can also go to your nearest Citi Bank branch and talk to them personally.
Conclusion
A long 0% APR introductory period is sure to reel you in but what makes people stay with the Citi Simplicity Credit Card are its main features and benefits. It’s a great credit card to own, especially for those who are just starting out with credit products. It can also be a good option for those who want to save on interest and manage their credit properly.
Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.Â
