The Simplicity credit Card offered by Citibank can save you money on interest and penalties, you can earn rewards with other cards having similar balance transfer terms. However, the Citi Simplicity Login portal allows you to manage your online account and activities such as online paperless statement, review purchase history, making online credit card payment, downloading of account activity, online request for credit limit increase, notifications through email and messages etc.
If you’ve just gotten approved for the Citi Simplicity Credit card — congratulations — you’ll want to familiarize yourself with your new Citi Simplicity Credit Card account and how to contact customer service, should any problems arise. You have to attentively read this article till the end in order to learn how to register your Citi Simplicity Credit Card for online account access, learn how to sign in to your account and make your Citi Simplicity Credit Card payments.
Features And Benefits Of The Citi Bank Simplicity Credit Card
The Citi Simplicity credit card can prove useful for those looking to pay down balances over an extended period of time. The card’s balance transfer fee is considerable compared to some other cards on the market.
1: A long 0% intro APR period for balance transfers: The Citi Simplicity Card offers a 0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases, and then the ongoing APR of 14.99%-24.99% Variable APR. While you might find a card with a slightly longer 0% intro period elsewhere, this is still a solid offer.
2: No penalties for late payments: With this card, you’ll never be charged a late fee, and your interest won’t go up because of late payments. Yes, you should always strive to pay your bills on time every month, and yes, paying late is a terrible habit: Most accounts aren’t as forgiving as this card, and your credit scores can still suffer if you pay too late. But sometimes you may forget or get overwhelmed; if you do, this card can save your bacon.
3: You can choose your due date: If money is tight, being able to pick exactly when your payment is due can help you avoid overdrafts.
4: There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
5: Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges.
How To Register Your Citi Simplicity Credit Card Online
If you this is your first time logging in to your Citi Simplicity credit card account then you are required to register your card for online account access. As the accountholder (the primary person who applied for the Citi Simplicity credit card), when you register for online access to your Citi Simplicity Credit Card account, activate your card and sign in to account Center, you have 24/7 online access to the following account management tools:
- Make your Citi Simplicity Credit card payment
- Manage payment and account settings
- Update your stored personal information
- Choose paperless billing
- Add an authorized buyer
- Ask for an increased credit limit
- Check current balance
- See available credit amount
- View current and past transactions
- View current and past statements
- View scheduled and past payments
- Send them a question via Secure Message Center
You can register for the Citi Simplicity credit card online services on the Citibank bank website in just a few minutes. These online services are however only available to all Citi Simplicity Credit Card holders.
Here are the steps to register your Citi Simplicity credit card online;
If you don’t already have an account, Go to the login page on the Citibank website or mobile app to register your Citi Simplicity Card for online account access. Click “Register for Online Access” and enter your card number, birthdate and the last 4 digits of your Social Security number or Tax ID number to verify your credit card account.
Choose your Citi Simplicity Card username and password. The username must be between 5 and 50 characters, including special characters, but no spaces. The password must contain from 6 to 50 characters and have at least one letter and one number, different from your password, and no more than two consecutive identical characters. The password is not case sensitive and may contain special characters.
Citi Simplicity Login Steps
The Citi Simplicity Credit card login process is very simple and straightforward. After you might have registered for online access you will receive your username and password. Before, you make your first payment with your Citi Simplicity Credit Card, you will need to log in to your credit card account through the Citibank website.
Here are the steps that you will need to follow to to access your Citi Simplicity Credit Card account:
Citi Simplicity cardholders can pay any outstanding balances on their Citibank Simplicity Credit Card by logging in to their online account. This can be done by navigating to https://online.citi.com/US/login.do and entering your User ID in the blank “User ID” field, and your password in the blank “Password” field. Once this information has been entered, click the “Sign On” button to access your online account.
After you have signed up and logged in, you’ll be able to manage your Citi Simplicity Card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.
If you forget your login information, click “Forgot Password?” on the Citibank login page. Then, just follow the prompts to reset or retrieve your username or password.
How to Make Your Citi Simplicity Credit Card Payment
You can make a Citibank credit card payment online, by phone, through the Citibank mobile app, by mail or at a branch. The easiest way to pay Citibank credit card bills is to do so online, especially if you set up automatic payments from a checking account.
1: Online: Indeed, the easiest and most convenient of making your Citi Simplicity credit card payment is online. For that purpose, you should sign in to your credit card account online – just follow our guidelines from the previous section. From there, you will be able to pay your credit card. Look for the payment tab. Select the amount you wish to pay and then enter the bank account information from where you’d like Citibank to retrieve the payment. Review and verify the information before clicking the “Submit” button.
1: Phone: To make your Citi Simplicity Credit Card Payment by phone Call the number on the back of the card and enter your card information when prompted.
3: By mail: Send a check or money order (but not cash) to: P.O. BOX 9001037, Louisville, KY- 40290-1037. Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
How To Make a Balance Transfer Onto The Citi Simplicity Card
If you have a balance transfer offer on your Simplicity Card, follow these steps:
After receiving your Citi Simplicity Card, you can call the customer service number located on the back of your card to transfer balances. Balance transfer offers can be a promotional rate or at the standard purchase rate.
If you took a balance transfer with your application, it takes a minimum of 14 days to process after your Citi Simplicity Card account is opened. During this time, you may cancel or modify your balance transfer request by calling the customer service number located on the back of your Citi Simplicity Card.
You may transfer any type of balance, but the total amount of your balance transfer (including balance transfer fees) must be less than your available credit limit. Please ensure you do not transfer any disputed purchases or other charges, because you may risk losing your dispute rights. You cannot transfer balances from other accounts issued by Citi® or its affiliates. If you are unsure of the issuer on your account, please review a list of Citi® products and its affiliates here.
You are asked to continue to make payments on your other accounts until it is confirmed that the transferred balance was received by them. Once approved, Citi will pay the balance transfer amount directly to the issuer. At this time, the available credit limit on your new Citi Simplicity Card will reflect a reduction of the total amount of balance transfers, including applicable fees.
For more information, please call Citi Customer Service. The easiest way to contact the Citi Simplicity Card customer service is by calling Citi Customer Service at (866) 696-5673 or online, either by logging into your account or through Citi Mobile app.