You can get pre-approved for the Citi Simplicity Card by receiving a pre-approval offer in the mail. But you can also check if you are pre-selected for the Citi Simplicity Card by using Citibank's online tool. However, it's important to keep in mind that pre-approval does not actually guarantee you'll get the card.
It is also worth noting that using the online tool or receiving a pre-approved offer will only result in a soft pull on your credit. Applying for the Citi Simplicity Card, on the other hand, will result in a hard pull. And this inquiry may temporarily drop your credit score by a few points.
Here's how the Citi Simplicity Card pre-approval works:
- You receive an offer. Citibank has an easy online form that will immediately let you know if you are pre-selected for Citi Simplicity Card, or if there are any other offers. Using this tool won't hurt your credit score in any way. You could also get a pre-approved offer in the mail.
- You fill out an application. If you got an offer by mail, you can fill out the included application and send it back to Citibank. You can also enter your invitation code online.
- Citibank evaluates you. You're likely to be approved, but it's possible you could be denied after a more thorough look at your information. If you're approved, you'll typically receive your card within 7-10 business days.
Keep in mind that you need at least good credit to get approved for the Citi Simplicity Card. If you'd like to know where you stand, you can check your credit score for free, right here on WalletHub.