Your Citi Simplicity approval odds are highest when you have good or better credit. Good credit is often defined as a score of 660 to 719 but your best bet is to apply with a score of 700+.
Some users report approval with scores as low as 660 and denials with scores as high as 720. So you never can be 100% sure whether you’ll be approved.
Info on Citi Simplicity approval odds:
Higher odds with 700+ credit score: Check your credit score before-hand to see if you’re in a good range.
Use Citi’s online pre-qualification tool: Pre-qualified offers don’t guarantee approval. But you have around an 80% chance of approval as long as nothing negative has been added to your credit report, like a missed payment.
Check your credit report: If you haven’t checked your report in a while, do that as well to make sure everything is accurate.
Update Financial Profile: Citi looks at your credit report, plus your annual income and monthly housing payment. You can update this info online, at citi.com/updateincome/, or by calling 855-209-8556.
If you don’t think you’ll qualify for Citi Simplicity, you’re going to have a tough time finding a credit card with lower requirements that offers 0% APR. But a card with 0% for 6 or 12 months is probably easier to get.
You approval odds are based largely on your credit score. Since this card requires at least 700 for your score, you have to have at least that to stand a chance at getting approved. You might get lucky with a lower score if your income is great, but I don't think I'd risk a hard inquiry to get denied.
You can get a Citi Simplicity® Card - No Late Fees Ever credit limit increase online or by calling 1-800-950-5114. You may also receive an automatic Citi Simplicity credit limit increase if you regularly pay your bill on time. Your chances of getting a higher limit are always best if your credit score and income have improved since you got the card.… read full answer
Whether you apply online or by phone, you can find out whether it’ll be a soft or hard pull on your credit. Online requests for limit increases trigger a hard inquiry when you ask for more than Citi initially offers. And Citi customer service reps will be able to tell you if a hard inquiry is required before you go through with the request by phone.
Keep in mind that any time your income goes up or your monthly housing payment goes down, you can update your account’s financial information. This can help pave the way to automatic credit limit increases or approved increase requests.
Here’s how to get a Citi Simplicity credit limit increase:
Online: Log in to your account and select “Services,” then “Credit Card Services.” Select “Request a Credit Limit Increase.” Enter your annual income and monthly rent/mortgage payment. The available limit increase will be displayed. You can request more than Citi’s offer but it’ll trigger a hard inquiry and can be 24 hours before you get a reply.
By Phone: Call 1-800-950-5114 and enter your credit card number. Speak with a representative about getting a credit limit increase. They’ll be able to tell you whether it’ll require a soft or hard pull before processing the request. Have your annual income and monthly housing payment info ready.
Automatic Credit Limit Increase: You may receive an increase without asking. Citi periodically reviews accounts for this purpose. Citi doesn’t list criteria to meet for these increases but you can’t go wrong using your card regularly and making payments on time.
Update Financial Profile: Your current credit limit is based on how your finances were doing when you got the card. Citi Simplicity is more likely to give you a raise if you’re now making more money or have less debt. In other words, it pays to keep your account profile up to date.
You don’t want to request a Citi Simplicity credit limit increase too often. It may require a hard credit inquiry. And that could temporarily hurt your credit score. So it’s best to make the request when your odds of success are highest.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.