Citi Simplicity Card - No Late Fees Ever

my Credit was mid/late 700S (approx 768)- got approved for 10K. Pay off my CC with this. I will probably close it once i'm done since there are new rewards for using as a regular Credit card

I was charged a late fee with my simplicity card, no no late fees ever that I have been hearing about is not true. They tell you when you call of course this is the best card ever and no late fees ever. They waived fees for me in the past and no longer will. They said I have an old simplicity card and my card does not have the no late fees ever attached to it like the new accounts. Even after being told this by many service reps that no late fee ever. So you learn the hard way sometime-it is in the fine print even if what you have been told verbally is off. They call it a "glitch" ....

trans-718/exp-716/fico-700 -Got approved for $6400 .For the people on here who don't understand credit cards don't leave worthless posts! Card has 0% APR on balance transfers and purchases for 18 months and you have 4 months to make a balance transfer! Not 4 months to pay it off like ch110109 posted on here! Only con no rewards. But who needs rewards when you use it for balance transfers to save money on interest?

I needed a card with no interest for 18 months. I didn't care about rewards. Perfect.

Be careful. Just looked on citibank website and found this notation in their terms and conditions. Take note of the balance transfer time frame! 4 months! See below directly from their website. So if you have 4K balance you need to pay 1k month to pay it off before charged interest.Terms & Conditions: Introductory rate of 0% for 21 months from date of account opening on purchases and an introductory rate of 0% for 21 months from date of first transfer for balance transfers. Balance transfers must be completed within 4 months of account opening. After the introductory period ends, the standard purchase APR will be applied to unpaid introductory balances, new purchases and new balance transfers. The standard variable APR for purchases and cash advances is 15.24% - 25.24%, based on your creditworthiness. Minimum interest charge – $0.50. Fee for foreign purchases – 3% of the U.S. dollar amount of each purchase. Cash advance fee – either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee – either $5 or 3% of the amount of each transfer, whichever is greater. New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.

Every purchase you make with this card will be declined for security reasons. Go with Amex or Chase, stay away from this one.

I have a perfect credit score and was approved for a credit limit more than half of what my other cards are. Definitely see what people are complaining about here. I'm a small business owner and the 0% APR is great. A little disapointed with the credit limit... I don't think I would sign up for a Citi card again in the future. Will likely just cancel after promotional period ends as I see no benefits in keeping this card past that point (high APR and low credit limit).

I am not sure why people are posting dumb crap about other debts with Citi-Bank. I don't can about your other debts or problems with the company, I only care about this card, and if you pay as needed this card is great. I have a much higher limit than any of these other folks listed on here, and it was perfect for me.If you are looking to do a large purchase with 0% interest and need about 2 years to pay it off, then this card is perfect for you.

Great card if you are smart about your planning. 21 months of no interest, no late fees, etc is a great feature if you have any major purchases coming up. Customer service is always quick to have someone on the line (within 90 seconds), and able to resolve issues quickly as well. I have enjoyed the card for the 12 months that I have had it.

Got this card to help pay off substantial debt from another credit card. I was excited about the balance transfer offer because even with the fees I would have been paying less than the interest that I was going to pay with my high debt card. 0% APR for 21 months, zero late fees, and balance transfers was just what I needed-- except that the balance transfer offered only lasts 4 months. After that, I was no longer to make balance transfers making this card useless. I tried finding this stipulation in my introduction packet and finding it somewhere in the fine print, but was unable to find anything relating to this deadline. I feel hoodwinked and now I just have another credit card I need to worry about.