{"id":49231,"date":"2025-09-25T18:17:47","date_gmt":"2025-09-25T11:17:47","guid":{"rendered":"https:\/\/hbbgroup.net\/its-official-now-avoid-credit-card-interest-into-2024\/"},"modified":"2025-09-25T18:17:47","modified_gmt":"2025-09-25T11:17:47","slug":"its-official-now-avoid-credit-card-interest-into-2024","status":"publish","type":"post","link":"https:\/\/hbbgroup.net\/zh\/its-official-now-avoid-credit-card-interest-into-2024\/","title":{"rendered":"It&#8217;s official: now avoid credit card interest into 2024"},"content":{"rendered":"<div aria-label=\"Navigation Disclosure\">\n<p><span tabindex=\"0\" aria-describedby=\"ttip-advertiserDisclosure-id---desc\">     <span>                Advertiser Disclosure            <\/span>     <span id=\"ttip-advertiserDisclosure-id---desc\" role=\"tooltip\">       Many of the offers that appear on this site are from companies from which The Motley Fool receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear) and may influence which products we write about, but our product ratings are not influenced by compensation. We do not include all companies or offers available in the marketplace.       <span><\/span>     <\/span>   <\/span>         <\/p>\n<p><span id=\"accessibilityWidget\">\u00a0\u00a0\u00a0\u00a0|\u00a0\u00a0\u00a0\u00a0Accessibility Options<\/span>       <\/p>\n<\/p><\/div>\n<div role=\"main\">\n<div id=\"paragraph_block_2\">\n<p data-block-key=\"xywst\">The Citi Simplicity\u00ae Card sets itself apart with an incredible <b>0% Intro APR offer for 21 months on Balance Transfers<\/b> and no annual fee, making it a top pick for anyone looking for ample time to pay off credit card debt.<\/p>\n<p data-block-key=\"9t88l\">Our expert&#8217;s summary:<\/p>\n<ul>\n<li data-block-key=\"8p216\"><b>0% intro APR for 21 months on Balance Transfers.<\/b> This means you&#8217;ll pay no interest until 2027!<\/li>\n<li data-block-key=\"7d0mi\"><b>0% intro APR for 12 months on Purchases<\/b><\/li>\n<li data-block-key=\"dohoi\"><b>Choose your payment due date<\/b><\/li>\n<li data-block-key=\"8duhg\"><b>$0 annual fee<\/b><\/li>\n<\/ul><\/div>\n<div id=\"paragraph_block_3\">\n<p data-block-key=\"xywst\">Simply put, if you\u2019re looking to pay off debt by avoiding interest on balance transfers for the longest time possible, it\u2019s hard to beat this card.<\/p>\n<\/p><\/div>\n<div id=\"card_tile_list_4\">\n<div>\n<h3>Citi Simplicity\u00ae Card<\/h3>\n<p>Great for: Balance Transfers<\/p>\n<\/p><\/div>\n<div>\n<div>\n<div>\n<p><img decoding=\"async\" src=\"https:\/\/m.foolcdn.com\/media\/affiliates\/original_images\/citi-simplicity_oUhukME_mStwKsA.jpeg?width=280\" alt=\"Logo for Citi Simplicity\u00ae Card\" previous-src=\"https:\/\/m.foolcdn.com\/media\/affiliates\/original_images\/citi-simplicity_oUhukME_mStwKsA.jpeg?width=280\"><\/p>\n<\/p><\/div>\n<div>\n<p>           <span>Credit Score:<\/span>              <span tabindex=\"0\" aria-describedby=\"ttip-cc-tile-credit-rating-id--1-desc\">     <span><svg width=\"12px\" height=\"12px\" viewbox=\"0 0 12 12\" version=\"1.1\" aria-describedby=\"icon-info-title-1--cc-tile-credit-rating icon-info-descrip-1-cc-tile-credit-rating\" role=\"img\">          <desc id=\"icon-info-descrip-1-cc-tile-credit-rating\">Circle with letter I in it.<\/desc>     <defs \/>     <g id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\">         <g id=\"Component-Card-Collapsed\" transform=\"translate(-799.000000, -47.000000)\">             <g id=\"Group-3\" transform=\"translate(799.000000, 47.000000)\">                 <g id=\"Group\">                     <circle stroke=\"#9B9B9B\" cx=\"6\" cy=\"6\" r=\"5.5\" \/>                     <path d=\"M6.8038086,1.40683593 C6.95419998,1.40683593 7.08131459,1.45875598 7.18515626,1.56259765 C7.28899792,1.66643931 7.34091797,1.79355393 7.34091797,1.9439453 C7.34091797,2.09075593 7.28810275,2.21697537 7.18247071,2.32260741 C7.07683867,2.42823945 6.95061923,2.48105468 6.8038086,2.48105468 C6.65699797,2.48105468 6.53077853,2.42823945 6.42514649,2.32260741 C6.31951445,2.21697537 6.26669922,2.09075593 6.26669922,1.9439453 C6.26669922,1.79355393 6.31861928,1.66643931 6.42246094,1.56259765 C6.52630261,1.45875598 6.65341722,1.40683593 6.8038086,1.40683593 Z M6.87363282,3.53916015 L5.81015626,7.30429687 C5.73854131,7.55852991 5.70273438,7.71070938 5.70273438,7.76083983 C5.70273438,7.81813179 5.71974267,7.8646808 5.75375977,7.90048827 C5.78777687,7.93629574 5.82805967,7.95419921 5.87460938,7.95419921 C5.92832059,7.95419921 5.99277307,7.92555366 6.06796876,7.86826171 C6.27207134,7.70712809 6.47796121,7.47796372 6.68564454,7.18076171 L6.87363282,7.30429687 C6.63014202,7.67669456 6.34368655,7.99000523 6.01425782,8.24423827 C5.77076702,8.43401787 5.53802195,8.52890624 5.31601563,8.52890624 C5.169205,8.52890624 5.04925177,8.48504275 4.95615235,8.39731444 C4.86305293,8.30958614 4.81650391,8.19947982 4.81650391,8.06699218 C4.81650391,7.93450454 4.86126258,7.7142919 4.95078126,7.40634765 L5.64902344,5.00009765 C5.76360735,4.60621547 5.82089844,4.35914763 5.82089844,4.25888671 C5.82089844,4.18011027 5.79314807,4.11565779 5.73764649,4.06552733 C5.68214491,4.01539688 5.60605518,3.99033202 5.50937501,3.99033202 C5.43059857,3.99033202 5.26767702,4.01002584 5.02060547,4.04941405 L5.02060547,3.8399414 L6.87363282,3.53916015 Z\" id=\"i\" fill=\"#717171\" \/>                 <\/g>             <\/g>         <\/g>     <\/g> <\/svg> <\/span>     <span id=\"ttip-cc-tile-credit-rating-id--1-desc\" role=\"tooltip\">       Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.<br \/>       <span><\/span>     <\/span>   <\/span>          <\/p>\n<div>\n<p><span>       Recommended Credit Score required for this offer is: Good\/Excellent (670-850)     <\/span><\/p>\n<\/p><\/div>\n<p>     <span data-rating=\"goodexcellent\">         <span>Good\/Excellent (670-850)<\/span>     <\/span>     <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div>\n<div>\n<p>               Best for Balance Transfers             <\/p>\n<div>\n<p data-block-key=\"xb4hv\">0% intro APR for 21 months on Balance Transfers is one of the longest interest-free periods available today.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div>\n<p><span>Intro APR<\/span><\/p>\n<div>\n<p>                       <strong>Purchases:<\/strong> 0%, 12 months on Purchases                     <\/p>\n<p>                       <strong>Balance Transfers:<\/strong> 0%, 21 months on Balance Transfers                     <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div>\n<p><span>Regular APR<\/span><\/p>\n<p>             18.24% &#8211; 28.99% (Variable)           <\/p>\n<\/p><\/div>\n<div>\n<p><span>Annual Fee<\/span>                  <span tabindex=\"0\" aria-describedby=\"ttip-cc-tile-feature-tip-id--4-desc\">     <span>                         <svg width=\"12px\" height=\"12px\" viewbox=\"0 0 12 12\" version=\"1.1\" aria-describedby=\"icon-info-title-4--cc-tile-feature-tip icon-info-descrip-4-cc-tile-feature-tip\" role=\"img\">          <desc id=\"icon-info-descrip-4-cc-tile-feature-tip\">Circle with letter I in it.<\/desc>     <defs \/>     <g id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\">         <g id=\"Component-Card-Collapsed\" transform=\"translate(-799.000000, -47.000000)\">             <g id=\"Group-3\" transform=\"translate(799.000000, 47.000000)\">                 <g id=\"Group\">                     <circle stroke=\"#9B9B9B\" cx=\"6\" cy=\"6\" r=\"5.5\" \/>                     <path d=\"M6.8038086,1.40683593 C6.95419998,1.40683593 7.08131459,1.45875598 7.18515626,1.56259765 C7.28899792,1.66643931 7.34091797,1.79355393 7.34091797,1.9439453 C7.34091797,2.09075593 7.28810275,2.21697537 7.18247071,2.32260741 C7.07683867,2.42823945 6.95061923,2.48105468 6.8038086,2.48105468 C6.65699797,2.48105468 6.53077853,2.42823945 6.42514649,2.32260741 C6.31951445,2.21697537 6.26669922,2.09075593 6.26669922,1.9439453 C6.26669922,1.79355393 6.31861928,1.66643931 6.42246094,1.56259765 C6.52630261,1.45875598 6.65341722,1.40683593 6.8038086,1.40683593 Z M6.87363282,3.53916015 L5.81015626,7.30429687 C5.73854131,7.55852991 5.70273438,7.71070938 5.70273438,7.76083983 C5.70273438,7.81813179 5.71974267,7.8646808 5.75375977,7.90048827 C5.78777687,7.93629574 5.82805967,7.95419921 5.87460938,7.95419921 C5.92832059,7.95419921 5.99277307,7.92555366 6.06796876,7.86826171 C6.27207134,7.70712809 6.47796121,7.47796372 6.68564454,7.18076171 L6.87363282,7.30429687 C6.63014202,7.67669456 6.34368655,7.99000523 6.01425782,8.24423827 C5.77076702,8.43401787 5.53802195,8.52890624 5.31601563,8.52890624 C5.169205,8.52890624 5.04925177,8.48504275 4.95615235,8.39731444 C4.86305293,8.30958614 4.81650391,8.19947982 4.81650391,8.06699218 C4.81650391,7.93450454 4.86126258,7.7142919 4.95078126,7.40634765 L5.64902344,5.00009765 C5.76360735,4.60621547 5.82089844,4.35914763 5.82089844,4.25888671 C5.82089844,4.18011027 5.79314807,4.11565779 5.73764649,4.06552733 C5.68214491,4.01539688 5.60605518,3.99033202 5.50937501,3.99033202 C5.43059857,3.99033202 5.26767702,4.01002584 5.02060547,4.04941405 L5.02060547,3.8399414 L6.87363282,3.53916015 Z\" id=\"i\" fill=\"#717171\" \/>                 <\/g>             <\/g>         <\/g>     <\/g> <\/svg>             <\/span>     <span id=\"ttip-cc-tile-feature-tip-id--4-desc\" role=\"tooltip\">       N\/A       <span><\/span>     <\/span>   <\/span>  <\/p>\n<p>             $0           <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div id=\"faq_1_card-details\" data-conditional-accordion=\"true\">\n<ul>\n<li data-block-key=\"zcq81\">No Late Fees, No Penalty Rate, and No Annual Fee&#8230; Ever<\/li>\n<li data-block-key=\"vclxz\">0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 18.24% &#8211; 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.<\/li>\n<li data-block-key=\"rfkd6\">There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).<\/li>\n<li data-block-key=\"sdome\">Stay protected with Citi\u00ae Quick Lock<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<div id=\"heading_block_5\">\n<p><h2 id=\"what-we-like-about-the-sc-offer-name-citi-simplicity-end-sc\">        What We Like About The Citi Simplicity\u00ae Card    <\/h2>\n<\/p><\/div>\n<div data-block-key=\"xywst\" id=\"paragraph_block_6\">\n<p><b>0% introductory APR for 21 months on Balance Transfers:<\/b> One of the longest introductory periods we&#8217;ve come across, you&#8217;ll get 0% intro APR for a full 21 months on Balance Transfers, which means you\u2019ll have almost two years to pay off your balance.<\/p>\n<p><b>0% introductory APR for 12 months on Purchases:<\/b> You&#8217;ll also get 0% intro APR for the first 12 months on Purchases. This is a helpful perk if you plan on buying anything with the card.<\/p>\n<p><b>Choose your payment due date:<\/b> A little flexibility can go a long way when it comes to managing your finances. The card lets you choose from any available payment date, whether it&#8217;s in the beginning, middle, or end of the month. That way, you can set up automatic payments that are aligned with your paycheck.<\/p>\n<p><b>No late fees:<\/b> One of the most unique perks is that there are no late fees, ever. While you should always pay your bill on time, because late payments can still affect your credit, it&#8217;s nice to know that you won&#8217;t be charged if you do slip up and miss a payment.<\/p>\n<p><b>No penalty APR:<\/b> If you miss some payments, most credit cards will increase your interest rate to their penalty APR. The Citi Simplicity\u00ae Card never charges a penalty rate, so your APR isn&#8217;t at risk of increasing due to late payments.<\/p>\n<p><b>No annual fee:<\/b> This card comes with no annual fee, which is an important feature if your goal is to pay off debt.<\/p>\n<\/div>\n<div id=\"heading_block_7\">\n<p><h2 id=\"suggested-credit-score\">        Suggested credit score    <\/h2>\n<\/p><\/div>\n<div id=\"paragraph_block_8\">\n<p data-block-key=\"xywst\">With the quality benefits the card offers, it&#8217;s primarily aimed at consumers who have a credit score of 670 or better. There are reports of people with scores in the mid 600s being approved for this card. For tips on increasing your credit score above 670, <a href=\"http:\/\/www.fool.com\/money\/credit-cards\/landing\/building-your-credit\/?futm_campaign=ta-cc-co-cnn-citisimp2-ron-5-hp-sfpb&#038;lutm_campaign=ta-cc-co-cnn-citisimp2-ron-5-hp-sfpb&#038;futm_medium=cpc&#038;lutm_medium=cpc&#038;futm_site=theascent&#038;lutm_site=theascent&#038;futm_source=cnn&#038;lutm_source=cnn&#038;luri=%2Fcredit-cards%2Flanding%2Fciti-simplicity-review%2F&#038;furi=%2Fcredit-cards%2Flanding%2Fciti-simplicity-review%2F&#038;vis=42328242-5bbe-4051-866f-2d998311be1c&#038;fuuid=e58e6162-8dfd-4b55-963c-ff6915e91c31&#038;luuid=e58e6162-8dfd-4b55-963c-ff6915e91c31&#038;ltyp=txt\"><span>click here<\/span><\/a>.<\/p>\n<\/p><\/div>\n<div id=\"callout_tip_border_9\">\n<p>TIP<\/p>\n<p data-block-key=\"ewpux\"><i>Paying down credit balances is the fastest way to improve your FICO\u00ae Score. That&#8217;s because 30% of your credit score is based on how much of your available credit you&#8217;re using. Your credit utilization is reported monthly, which means paying off debt could improve your credit score in one month!<\/i><\/p>\n<\/p><\/div>\n<div id=\"heading_block_10\">\n<p><h2 id=\"final-take\">        Final take    <\/h2>\n<\/p><\/div>\n<div id=\"paragraph_block_11\">\n<p data-block-key=\"xywst\">If your priority is a long 0% intro APR for a balance transfer, the Citi Simplicity\u00ae Card clearly outshines the competition. The 0% intro APR on purchases is also helpful if you have an unexpected large expense and need to spread the cost out over time.<\/p>\n<\/p><\/div>\n<\/p><\/div>","protected":false},"excerpt":{"rendered":"<p>Advertiser Disclosure Many of the offers that appear on this site are from companies from which The Motley Fool receives [&hellip;]<\/p>","protected":false},"author":5,"featured_media":49232,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[95],"tags":[],"class_list":["post-49231","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tin-tuc-the-gioi-vi"],"acf":[],"_links":{"self":[{"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/posts\/49231","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/comments?post=49231"}],"version-history":[{"count":0,"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/posts\/49231\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/media\/49232"}],"wp:attachment":[{"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/media?parent=49231"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/categories?post=49231"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/tags?post=49231"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}