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Citi Simplicity Approved

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Applied on Monday for the Citi Simplicity since I wanted to transfer my $7000 PRG balance so that I had a bit more time to pay it off.  Now I have almost 2 years to pay it off with 0% interest.

 

Initially applied for the slate, but Chase wanted me to unfreeze TU - didn't really want them to pull TU since it had 4 new inquiries from last month - so that got denied but no HP.

 

Citi pulled experian which at the time was 744 I believe, although the approval page stated that it was 749 (perhaps different model than what CCT shows).

 

In any event, was granted a pretty great SL of 11.2K, far more than I expected.

 

I wasn't expecting an instant approval either based on my experience with my Chase Ritz app.

 

I thought I was going to have to call and try and get a CLI at least up to $7000.

 

Was planning on PCing the card to something else after the 2 year mark, but I've since learned that I can't PC the Simplicity.  Oh well.  APR isn't bad at 16.24%, although higher than my Discover and NFCU.

 

More about the whole process here


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