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Citi Discounts, Deals and Coupon Codes

Citi Simplicity 0% interest on purchases and balance xfers for 21 months

MIAMIGUY305 3,521 1,187 July 5, 2016 at 05:57 AM in Finance (2) More Citi Deals
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Last Edited by MIAMIGUY305 July 6, 2016 at 07:20 AM
Free money for the next 21 months.


0% Intro APR on balance transfers and purchases for 21 months. Peace of mind with no late fees or a penalty rate. Purchase and Balance Transfer Rate: 0% Intro APR on purchases and balance transfers for 21 months; after that the variable APR will be 13.24% - 23.24%, based on your creditworthiness.

Purchase Protection
Extended Warranty
Extends the manufacturer’s warranty so you can feel more confident when you make purchases with your Citi card.
Save time, just say "representative" when you call, to enjoy fast personal help.

Link:https://www.citi.com/credit-cards...1C2111111W
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47 Comments

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#2
Balance Transfer Fee: Either $5 or 3% of the amount of each credit card balance transfer, whichever is greater.
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#3
LOL @ "free money"
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#4
Quote from qkumbr View Post :
LOL @ "free money"
21 months for a 0% interest loan?? You would be dumb not to use it, as long as you are able to responsibly pay it off before the period ends.
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#5
balance transfer fee kills it
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Last edited by mwenenko July 5, 2016 at 07:05 AM
#6
Looks like 3% fees. So essentially approx 1.75% interest payable in advance
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#7
Quote from Arp590 View Post :
21 months for a 0% interest loan?? You would be dumb not to use it, as long as you are able to responsibly pay it off before the period ends.
I do these deals year after year. When one deal is about to end, I get a new card. The last deal was 0% APR for 24 months with Barclays. Now this one came just in time!
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#8
Quote from dk_sap View Post :
Looks like 3% fees. So essentially approx 1.75% interest payable in advance

You don't need to do a BT. Charge everything to the new card and pay off old card while paying only the minimum to this new card for a year then pick up payments to be completed before the 21 months ends.
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#9
Quote from Arp590 View Post :
21 months for a 0% interest loan?? You would be dumb not to use it, as long as you are able to responsibly pay it off before the period ends.
Most people already have cash sitting dormant in checking accounts. Cheap loans is not a reason to get excited over.
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#10
Quote from Eagles89 View Post :
Most people already have cash sitting dormant in checking accounts. Cheap loans is not a reason to get excited over.
It's not a "cheap loan", it's a free loan. Money that can be invested or put to better use.
Also people that have money dormant in checking accounts are gaining 0% interest on their money, not really relevant if those people aren't investing or putting their money to use.
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#11
Quote from Arp590 View Post :
It's not a "cheap loan", it's a free loan. Money that can be invested or put to better use.
It's not a free loan. There is a 3% fee...
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#12
Quote from Eagles89 View Post :
It's not a free loan. There is a 3% fee...
This is already covered in the thread. The fee is for balance transfers, but there's no such fee for new purchases.
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Joined Jan 2008
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#13
Quote from ericgoblue View Post :
This is already covered in the thread. The fee is for balance transfers, but there's no such fee for new purchases.
You lose out on 2%+ cashback on your purchases, so essentially there is a fee as well.
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#14
Quote from Eagles89 View Post :
It's not a free loan. There is a 3% fee...
There is a fee for balance transfers, not purchases.
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Joined Jan 2008
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#15
Quote from Arp590 View Post :
There is a fee for balance transfers, not purchases.
You don't get any cashback on this card, so you are paying a fee even on purchases...
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