Yes, it is hard to get the Citi Simplicity® Card because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for the Citi Simplicity Card.
In order to get the Citi Simplicity Card, you will have to meet the credit score requirement, have a steady income and be at least 18 years old. You’ll also need to have an SSN.
Keep in mind that even if you meet all of the requirements for the Citi Simplicity Card, you’re never guaranteed to be approved.
The Citi Simplicity Card credit score requirement is 700 or higher. This means 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+.
The easiest Citi card to get is the Citi® Secured Mastercard® because it is the only one that will accept applicants with limited credit (less than 3 years of credit history). This card requires a $200 refundable security deposit but has a $0 annual fee. It also helps build credit history with monthly reporting to all three major credit bureaus… read full answer (TransUnion, Equifax and Experian).
More info regarding Citi credit cards score requirement
However, there are a number of store cards that also make it among the easiest Citi cards to get. Citi store cards require at least fair credit (a credit score of 640+) for approval. But purchases are limited to the affiliated merchant or its website. The Best Buy® Store Card and the Shell Gas Card, for instance, are among the many store cards that also have a full-fledged co-branded version on either the Visa or Shell Credit Card network, which can be used anywhere the network is accepted. Those cards aren’t as easy to get as the store versions, as they require at least good credit.
To get the Shell Gas Card, you need fair credit or better (a credit score of 640+). It has a $0 annual fee. Offers savings: 30¢ per gallon (up to 35 gallons) on your first 5 Shell fuel purchases made by 6/30/2023, after that 10¢ per gallon (up to 20 gallons) every time you fill up, 10% Shell rebates on your first $1,200 Shell non-fuel purchases (per year).
The Sears Store Card requires fair credit or better (a credit score of 640+). It has a $0 annual fee.
The easiest Citi cards to get come with limitations. They offer low minimum credit limits, high interest rates and few rewards and benefits. And with the Citi store cards, beware of deferred interest promotions. Deferred interest means that there’s 0% interest as long as the balance gets paid in full by the end of the promotion. If it’s not paid in full, Citibank charges interest on the original purchase amount from the date of purchase, at the card’s regular APR.
Citi may ask for your application ID, zip code, phone number, birthday and/or Social Security number to confirm your identity. It usually takes up to two weeks for Citi to reach a decision on your credit card application. If approved for an account, your card should arrive within 14 days of the decision. Citi does not offer expedited delivery.… read full answer
How to Check Your Citi Credit Card Application Status Online
Input your application ID and zip code, or your phone number, zip code and birthday.
Click “check your status.”
Receive your Citi application status on the screen: approved, denied or still pending.
To check your Citi credit card application status by phone, just call (888) 201-4523. Press “1” for English and, then, press “2”. Lastly, enter your Social Security number. A Citi representative will give you the status of your application.
In the unfortunate event that your Citi credit card application ends up being denied, you can still ask for reconsideration. The number is (800) 695-5171. It’s a long shot, and you’ll have to prove your situation is better than it appeared on your application. But there’s no harm in trying.
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