The Citi Simplicity® Card may give high credit limits to people with good-to-excellent credit, a lot of income, and relatively little debt. The minimum credit limit is $500, and some cardholders report having limits as high as $14,000. In general, though, the card is not considered a “high-limit” card because it does not guarantee a $5,000+ credit limit.
Keep in mind that the starting credit limit you get on the Citi Simplicity Card card won’t necessarily be the credit limit you have forever, as you can get credit limit increases. It’s a good rule of thumb to wait until you have at least six consecutive months of on-time payments before you ask for a credit limit increase. You may also receive automatic credit limit increases as Citibank periodically reviews your account.
This answer was first published on 06/21/23 and it was last updated on 01/08/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
