Enjoy the ease of zero annual fees and no late fees with the Citi Simplicity® Card, making it a standout choice for stress-free spending. Benefit from an introductory 0% APR on purchases and balance transfers, giving you financial breathing room. With flexible payment dates and top-notch customer service, it's all about simplicity and convenience in managing your finances.
Notes: No direct line to the reconsideration department. They will usually only reconsider an application due to an error only.
When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.
