Assessment: Citi Simplicity Credit Card

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0% initial Annual Percentage Rate (APR) for 21 months on balance transfers: With one of the lengthiest initial periods on balance transfers, you’ll enjoy a 0% introductory APR on the balance moved for a complete 21 months. This implies you’ll have practically two years to settle your balance.

0% initial APR for 12 months on purchases: In addition, you’ll receive a 0% introductory APR on new acquisitions for the first 12 months. This is an advantageous perk if you intend on utilizing the card for any purchases.

Select your preferred due date for payments: Having some versatility when it comes to handling your finances is invaluable. With this card, you can choose any available payment date that aligns with your salary, whether it’s at the beginning, middle, or end of the month. This allows you to establish automatic payments that suit your requirements.

No overdue fees: One of the most notable advantages is the lack of overdue fees. While it’s always vital to pay your bill on time to avoid credit implications, it’s reassuring to know that you won’t be charged if you happen to miss a payment.

No penalty APR: Unlike many credit cards, the Citi Simplicity® Card does not impose a penalty rate if you miss a payment. This means your APR will not increase due to late payments.

No yearly fee: This card does not come with an annual fee, making it an appealing option for those focused on paying off debt.

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