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The Citi Simplicity: Credit, Uncomplicated

The Citi Simplicity: Credit, Uncomplicated

In what could be the best credit card offer on the market today, the Citi Simplicity credit card is building momentum – and new customers. This week, we take a look at the card many financial experts are saying will set the pace for its competition and force them to amp up their efforts in the customer satisfaction arena. To be sure, customer satisfaction is definitely the big perk with this offer.

No Late Fees and No Rate Hikes

That’s right. Even if you miss a payment, you won’t have to worry about getting hit with a pricey late fee. But it gets better: Citi won’t raise your interest rate as a result of that late payment or even when you go over your credit limit. This is one credit card that’s definitely consumer-friendly. A word of caution: if your payment is ever returned unpaid, you could face up to $35 in fees.

Other Perks

You can choose your own due date with your Citi Simplicity Card. No need to reshuffle your monthly budget; with a single phone call, you can define your credit card payment due dates to a time of the month that works best for you.

When you incorporate the website, access to the past twelve months statements is just a click away. While you’re there, you can show your support to eco-friendly efforts by signing up for paperless statements.

Really working on cutting costs? Easily set up payment alerts that will alert you anytime you’re nearing a pre-defined limit. You can even choose the method of notification – text messaging, email or even a recorded phone call. The choice is yours.

You’ll also enjoy trip cancellation coverage, lost luggage coverage, auto rental insurance and automatic travel accident insurance when you book your trips with your Citi Simplicity.

Throw in a Bit of Technology

When you receive your Citi Simplicity credit card, you’ll also receive the Citi MasterCard Payment Tag with PayPass. You can place this sticker on the back of your cell and “tap and go” anywhere PayPass is accepted. Keep in mind, though, depending on any business guidelines, you may need to sign for purchases over a specific amount.

And a Bit of Help

Citi also announced that it would be implementing a no wait time rule for customer service twenty four hours a day, seven days a week. That’s virtually unheard of in the credit card industry.

Citi Extra Cash

Card holders are eligible for deep discounts on travel, entertainment and many services. When you use your Citi Simplicity credit card, you will earn Extra Cash Back of 10% of eligible purchases. Saving money has never been so easy.

Intro Rate

For a full twenty one months, you’ll enjoy a 0% intro APR – and that includes balance transfers! Once that expires, your rate goes to 16.99%. Never worry about an annual fee, either.

Many are saying this is the wave of credit cards, courtesy of the 2009 Credit Card Accountability, Responsibility and Disclosure Act (CARD Act). With an impressive and transparent set of rates and fee schedules, cardholders will discover a refreshing alternative to other fee-heavy and restrictive credit cards. The absence of unexpected rate hikes and late payment penalties are sure to draw many consumers. Securing additional credit cards is easy and if you lose your Citi Simplicity (or if it’s stolen), there are no worries about having to pay any charges you didn’t make. With the latest in security measures in place, your finances are protected.

Learn more about the Citi Simplicity credit card or apply for an instant decision card. Be sure to review the offer in its entirety so that you’re making the right choice for your needs.

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Copyright © 2019 | Image: CitiBank | Categories: Choosing Cards, Credit Card News, Credit Card Tips

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