The Citi Simplicity® Card reports to the credit bureaus monthly, within days after the end of a cardholder’s monthly billing period. Citi Simplicity Card reports the card’s credit limit, account balance, payment history, and more to all three of the major credit bureaus: TransUnion, Equifax, and Experian. Citibank may use a specific credit bureau more than another, depending on the applicant’s home state, and other factors.… read full answer
Once Citi Simplicity Card reports your account information to a credit bureau, it may take a few days before the updates appear on your credit report. New Citi Simplicity Card cardholders may not see any new credit account info on their credit report for one or two billing periods after getting a card.
Yes, the Citi Simplicity will do a hard pull. You will need a credit score of at least 700 to get it and there is no way to get pre-approved.
A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. You can learn more about how to minimize the credit score damage … read full answerhere.
The Citi Simplicity Card credit score requirement is 700 or higher, meaning that you need at least good credit to get this card.
It is also worth noting that you never can be 100% sure whether you’ll be approved just by credit score alone. Your credit score is only one of the aspects Citi will look at when making a decision on your application. Your debt, annual income, and any past negative marks on your credit report will also matter.… read full answer
Having that said, it would be better to check your score and only apply if it's 700+.
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