{"id":1810,"date":"2024-11-21T22:06:13","date_gmt":"2024-11-21T22:06:13","guid":{"rendered":"https:\/\/morenetcash.com\/?p=1810"},"modified":"2024-12-06T18:56:49","modified_gmt":"2024-12-06T18:56:49","slug":"citi-simplicity-card-review","status":"publish","type":"post","link":"https:\/\/morenetcash.com\/ms\/citi-simplicity-card-review\/","title":{"rendered":"Kad Citi Simplicity\u00ae: Sifar Yuran dan Fleksibiliti Terunggul"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 class=\"wp-block-heading\">Pilihan bijak untuk menjimatkan wang<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" loading=\"lazy\" src=\"https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Design-sem-nome-3-1024x576.png\" alt=\"Citi Simplicity\u00ae\" class=\"w-full object-cover object-center border mx-auto wp-image-1812\" srcset=\"https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Design-sem-nome-3-1024x576.png 1024w, https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Design-sem-nome-3-300x169.png 300w, https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Design-sem-nome-3-768x432.png 768w, https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Design-sem-nome-3-18x10.png 18w, https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Design-sem-nome-3.png 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\">Kad Citi Simplicity\u00ae: Sifar Yuran dan Fleksibiliti Terunggul. Sumber: Lebih Banyak Tunai Bersih<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Kad Kredit Citi Simplicity\u00ae menawarkan pengalaman tanpa bayaran tahunan dengan fokus pada ketelusan.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Dengan APR pengenalan yang panjang untuk pemindahan baki dan pembelian, ia direka untuk memberi pengguna rehat daripada caj faedah tinggi.<\/p>\n<\/div><div class=\"wp-block-lazyblock-credit-card lazyblock-credit-card-ZiBrWJ\"><section class=\"credit-card mx-5 sm:mx-0 text-gray-600 body-font  my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n  <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n    <div class=\"w-24 h-full\"><\/div>\n  <\/div>\n  <div class=\"container px-5 sm:px-0 py-6 mx-auto\" data-anchor-target=\"lazyBlock\">\n    <div class=\"flex flex-wrap mx-auto\">\n      <a class=\"lg:w-2\/5 w-full lg:pl-6 mt-6 lg:mt-0\" href=\"https:\/\/www.citi.com\/credit-cards\/citi-simplicity-credit-card\" data-analytics-label=\"creditCardImage\" data-action=\"analytics#trackCTA\" >\n        <img decoding=\"async\" class=\"w-full h-64 object-cover object-center rounded\" loading=\"lazy\" alt=\"card\" style=\"height: 190px;\" src=\"https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Design-sem-nome-2-1.png\">\n      <\/a>\n      <div class=\"lg:w-3\/5 w-full lg:pl-6 mt-6 lg:mt-0\">\n        <h2 class=\"text-sm title-font text-gray-500 tracking-widest uppercase\">\n          Kad Kredit        <\/h2>\n        <h1 class=\"text-gray-900 text-3xl title-font font-medium mb-1\">\n          Citi Simplicity\u00ae        <\/h1>\n        <div class=\"flex mb-4 justify-center sm:justify-start\">\n          \n                      <span class=\"inline-block py-1 px-2 rounded text-xs font-medium tracking-widest uppercase mr-2\">\n              selamat            <\/span>\n                      <span class=\"inline-block py-1 px-2 rounded text-xs font-medium tracking-widest uppercase mr-2\">\n              tanpa bayaran            <\/span>\n                    \n        <\/div>\n        <p class=\"leading-relaxed\">\n          Permudahkan kewangan anda dengan 0% APR sehingga 21 bulan\n        <\/p>\n        <div class=\"flex mt-6 items-center pb-5 border-b-2 border-gray-100 mb-5\">\n          \n        <\/div>\n        <div class=\"flex\">\n          <a data-km2-rewarded=\"true\" style=\"font-size: 13px;\" class=\"hidden animate-fade-in flex m-auto sm:mr-0 sm:ml-auto\" rel=\"sponsored\" href=\"https:\/\/www.citi.com\/credit-cards\/citi-simplicity-credit-card\" data-analytics-label=\"creditCardButton\" data-action=\"analytics#trackCTA\"  >\n            <button class=\"uppercase flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-4 focus:outline-none rounded  disabled:opacity-50\">\n              Mohon Sekarang            <\/button>\n          <\/a>\n          <a data-km2-rewarded=\"false\" style=\"font-size: 15px;\" class=\"flex m-auto sm:mr-0 sm:ml-auto\" rel=\"sponsored\" href=\"https:\/\/www.citi.com\/credit-cards\/citi-simplicity-credit-card\" data-analytics-label=\"creditCardButton\" data-action=\"analytics#trackCTA\"  >\n            <button id=\"offer-first\" class=\"flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-6 focus:outline-none rounded  disabled:opacity-50\">\n              Mohon Sekarang            <\/button>\n          <\/a>\n        <\/div>\n        <p class=\"text-xs text-gray-500 mt-3 text-center sm:text-right\">\n          Anda akan dialihkan ke laman web lain        <\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n\n    <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none' && document.getElementById('av-fixed__bottomWrapper').getBoundingClientRect().height > 100) { setTimeout(() => this.visible(), 1000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none' && document.getElementById('av-fixed__bottomWrapper').getBoundingClientRect().height > 10) { this.getAnchorElement().style.marginBottom = '60px'; } if (document.querySelector('[data-anchor-shown=\"true\"]') && document.querySelector('[data-anchor-shown=\"true\"]').style.bottom === '0px') { setTimeout(() => this.visible(), 1000); return; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); waitFor(_ => (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none' && document.getElementById('av-fixed__bottomWrapper').getBoundingClientRect().height > 10 && this.getAnchorElement().style.marginBottom !== '60px')) .then(_ => { this.closeAnchor(); }); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { if (this.closed) return; this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button data-no-translation class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/www.citi.com\/credit-cards\/citi-simplicity-credit-card\" rel=\"sponsored\" data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img decoding=\"async\" loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Design-sem-nome-2-1.png\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Permudahkan kewangan anda dengan 0% APR sehingga 21 bulan              <\/p>\n              <a href=\"https:\/\/www.citi.com\/credit-cards\/citi-simplicity-credit-card\" rel=\"sponsored\" data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Mohon Sekarang                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Anda akan dialihkan ke laman web lain              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n<\/section><\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Kad ini menghapuskan titik kesakitan biasa dengan mengetepikan yuran lewat, APR penalti dan yuran tahunan, menjadikannya pilihan yang menonjol bagi mereka yang mencari fleksibiliti kewangan dan ketenangan fikiran.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Skor Kredit<\/strong>: Baik atau lebih baik<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Yuran Tahunan<\/strong>: $0<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>0% APR Pengenalan<\/strong>: 21 bulan untuk pemindahan baki dan 12 bulan untuk pembelian&nbsp;<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Beli APR<\/strong>: Pembolehubah, antara 18.49% hingga 29.24% selepas tempoh pengenalan<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Pendahuluan Tunai APR<\/strong>: 29.74%<\/li>\n<\/div><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 class=\"wp-block-heading\">Citi Simplicity\u00ae: Gambaran Keseluruhan<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Kad Kredit Citi Simplicity\u00ae memenuhi janjinya untuk faedah mudah dan kemudahan penggunaan. Begini cara ia menonjol:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Dasar Mesra Pengguna<\/strong>: Direka untuk mengurangkan tekanan, kad ini memudahkan pengurusan kad kredit dengan syarat telus dan tiada kejutan tersembunyi.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Tempoh APR 0% yang panjang<\/strong>: Ia menawarkan salah satu tempoh tanpa faedah pasaran yang paling lanjutan\u201421 bulan untuk pemindahan baki dan 12 bulan untuk pembelian\u2014sesuai untuk penyatuan hutang atau perbelanjaan yang besar.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Tiada Penalti Pembayaran Lewat<\/strong>: Melupakan tarikh pembayaran tidak menyebabkan yuran lewat atau kadar faedah yang lebih tinggi, menjadikannya salah satu pilihan yang paling memaafkan yang ada.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Faedah Pemindahan Baki<\/strong>: Walaupun terdapat yuran pemindahan 5% atau $5, tempoh tanpa faedah yang dilanjutkan boleh menghasilkan penjimatan yang ketara bagi mereka yang memindahkan baki faedah tinggi.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Tiada Yuran Tahunan<\/strong>: Kad ini adalah penyelenggaraan yang rendah dan menjimatkan kos, kerana tiada yuran tahunan yang perlu dibimbangkan, membolehkan anda menumpukan pada matlamat kewangan anda.<\/li>\n<\/div><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Ciri-ciri ini menjadikan Kad Kredit Citi Simplicity\u00ae pilihan yang sangat baik untuk individu yang mencari pelepasan daripada hutang dengan faedah tinggi, fleksibiliti pembayaran yang lebih baik dan alat kewangan yang kos efektif.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 class=\"wp-block-heading\">Menganalisis kelebihan dan kekurangan Kad Kredit Citi Simplicity\u00ae<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"282\" loading=\"lazy\" src=\"https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Captura-de-tela-2024-11-21-190125-1024x282.png\" alt=\"Citi Simplicity\u00ae\" class=\"w-full object-cover object-center border mx-auto wp-image-1813\" srcset=\"https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Captura-de-tela-2024-11-21-190125-1024x282.png 1024w, https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Captura-de-tela-2024-11-21-190125-300x83.png 300w, https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Captura-de-tela-2024-11-21-190125-768x212.png 768w, https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Captura-de-tela-2024-11-21-190125-18x5.png 18w, https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Captura-de-tela-2024-11-21-190125.png 1136w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\">Menganalisis kelebihan dan kekurangan. Sumber: Citi <\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Kad Kredit Citi Simplicity\u00ae mempunyai beberapa kelebihan yang memenuhi keperluan kewangan tertentu, tetapi adalah penting untuk menimbang ini dengan hadnya.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 class=\"wp-block-heading\">Kebaikan<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Kad Kredit Citi Simplicity\u00ae menyediakan faedah yang ketara, terutamanya untuk individu yang menumpukan pada penjimatan wang dan mengelakkan bayaran yang tidak perlu.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Tiada Yuran Tahunan<\/strong>: Yuran tahunan $0 memastikan anda tidak dibebani dengan kos tambahan hanya untuk memegang kad.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Tempoh APR Pengenalan Dilanjutkan<\/strong>: Dengan 21 bulan APR 0% pada pemindahan baki dan 12 bulan untuk pembelian, kad itu menawarkan salah satu tempoh pengenalan APR terpanjang dalam industri.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Tiada Yuran Lewat atau APR Penalti<\/strong>: Fleksibiliti dalam mengurus pembayaran ialah ciri yang menonjol. Melupakan pembayaran tidak menyebabkan penalti, yang jarang berlaku dalam dunia kad kredit.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Syarat Mudah<\/strong>: Tanpa program ganjaran atau struktur yang rumit, kad ini mudah difahami dan digunakan.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Faedah Penyatuan Hutang<\/strong>: Sesuai untuk membayar baki daripada kad faedah yang lebih tinggi tanpa menanggung faedah tambahan selama hampir dua tahun.<\/li>\n<\/div><\/ul>\n<\/div><div class=\"wp-block-lazyblock-credit-card lazyblock-credit-card-Z2h6Mq\"><section class=\"credit-card mx-5 sm:mx-0 text-gray-600 body-font  my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n  <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n    <div class=\"w-24 h-full\"><\/div>\n  <\/div>\n  <div class=\"container px-5 sm:px-0 py-6 mx-auto\" data-anchor-target=\"lazyBlock\">\n    <div class=\"flex flex-wrap mx-auto\">\n      <a class=\"lg:w-2\/5 w-full lg:pl-6 mt-6 lg:mt-0\" href=\"https:\/\/www.citi.com\/credit-cards\/citi-simplicity-credit-card\" data-analytics-label=\"creditCardImage\" data-action=\"analytics#trackCTA\" >\n        <img decoding=\"async\" class=\"w-full h-64 object-cover object-center rounded\" loading=\"lazy\" alt=\"card\" style=\"height: 190px;\" src=\"https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Design-sem-nome-2-1.png\">\n      <\/a>\n      <div class=\"lg:w-3\/5 w-full lg:pl-6 mt-6 lg:mt-0\">\n        <h2 class=\"text-sm title-font text-gray-500 tracking-widest uppercase\">\n          Kad Kredit        <\/h2>\n        <h1 class=\"text-gray-900 text-3xl title-font font-medium mb-1\">\n          Citi Simplicity\u00ae        <\/h1>\n        <div class=\"flex mb-4 justify-center sm:justify-start\">\n          \n                      <span class=\"inline-block py-1 px-2 rounded text-xs font-medium tracking-widest uppercase mr-2\">\n              selamat            <\/span>\n                      <span class=\"inline-block py-1 px-2 rounded text-xs font-medium tracking-widest uppercase mr-2\">\n              tanpa bayaran            <\/span>\n                    \n        <\/div>\n        <p class=\"leading-relaxed\">\n          Permudahkan kewangan anda dengan 0% APR sehingga 21 bulan\n        <\/p>\n        <div class=\"flex mt-6 items-center pb-5 border-b-2 border-gray-100 mb-5\">\n          \n        <\/div>\n        <div class=\"flex\">\n          <a data-km2-rewarded=\"true\" style=\"font-size: 13px;\" class=\"hidden animate-fade-in flex m-auto sm:mr-0 sm:ml-auto\" rel=\"sponsored\" href=\"https:\/\/www.citi.com\/credit-cards\/citi-simplicity-credit-card\" data-analytics-label=\"creditCardButton\" data-action=\"analytics#trackCTA\"  >\n            <button class=\"uppercase flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-4 focus:outline-none rounded  disabled:opacity-50\">\n              Mohon Sekarang            <\/button>\n          <\/a>\n          <a data-km2-rewarded=\"false\" style=\"font-size: 15px;\" class=\"flex m-auto sm:mr-0 sm:ml-auto\" rel=\"sponsored\" href=\"https:\/\/www.citi.com\/credit-cards\/citi-simplicity-credit-card\" data-analytics-label=\"creditCardButton\" data-action=\"analytics#trackCTA\"  >\n            <button id=\"offer-first\" class=\"flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-6 focus:outline-none rounded  disabled:opacity-50\">\n              Mohon Sekarang            <\/button>\n          <\/a>\n        <\/div>\n        <p class=\"text-xs text-gray-500 mt-3 text-center sm:text-right\">\n          Anda akan dialihkan ke laman web lain        <\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n\n    <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none' && document.getElementById('av-fixed__bottomWrapper').getBoundingClientRect().height > 100) { setTimeout(() => this.visible(), 1000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none' && document.getElementById('av-fixed__bottomWrapper').getBoundingClientRect().height > 10) { this.getAnchorElement().style.marginBottom = '60px'; } if (document.querySelector('[data-anchor-shown=\"true\"]') && document.querySelector('[data-anchor-shown=\"true\"]').style.bottom === '0px') { setTimeout(() => this.visible(), 1000); return; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); waitFor(_ => (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none' && document.getElementById('av-fixed__bottomWrapper').getBoundingClientRect().height > 10 && this.getAnchorElement().style.marginBottom !== '60px')) .then(_ => { this.closeAnchor(); }); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { if (this.closed) return; this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button data-no-translation class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/www.citi.com\/credit-cards\/citi-simplicity-credit-card\" rel=\"sponsored\" data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img decoding=\"async\" loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/11\/Design-sem-nome-2-1.png\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Permudahkan kewangan anda dengan 0% APR sehingga 21 bulan              <\/p>\n              <a href=\"https:\/\/www.citi.com\/credit-cards\/citi-simplicity-credit-card\" rel=\"sponsored\" data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Mohon Sekarang                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Anda akan dialihkan ke laman web lain              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n<\/section><\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 class=\"wp-block-heading\">Keburukan<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Walaupun Kad Kredit Citi Simplicity\u00ae cemerlang dalam banyak bidang, ia mungkin tidak sesuai untuk semua orang.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Yuran Pemindahan Baki<\/strong>: Yuran $5 atau 5% untuk setiap pemindahan mungkin melebihi simpanan untuk baki yang lebih kecil.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Program Kurang Ganjaran<\/strong>: Kad ini tidak termasuk pulangan tunai, mata atau ganjaran perjalanan, sebaliknya memfokuskan pada penjimatan yuran dan tempoh tanpa faedah.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>APR Pasca Pengenalan yang Tinggi<\/strong>: Sebaik sahaja tempoh pengenalan tamat, pembolehubah APR boleh naik setinggi 29.24% untuk pembelian, yang sangat tinggi bagi sesetengah pengguna.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Nilai Jangka Panjang Terhad<\/strong>: Rayuan utama kad terletak pada tawaran pengenalannya, jadi ia mungkin kekurangan faedah bagi mereka yang tidak memerlukan pemindahan baki atau pembiayaan tanpa faedah.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Tidak Sesuai untuk Pembelanja Setiap Hari<\/strong>: Tanpa ganjaran, pengguna yang kerap mungkin mendapati lebih banyak nilai dalam pulangan tunai atau kad yang memfokuskan perjalanan.<\/li>\n<\/div><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 class=\"wp-block-heading\">Memohon kad kredit<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Proses permohonan untuk Kad Kredit Citi Simplicity\u00ae adalah cepat dan mudah. Citi membenarkan bakal pemegang kad untuk memohon dalam talian dengan usaha yang minimum.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Ikuti langkah seterusnya untuk memohon:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Lawati Halaman Rasmi Kad Kredit: <\/strong>Navigasi ke tapak web rasmi Citi untuk mengakses halaman permohonan kad.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Semak Prakelayakan: <\/strong>Citi menawarkan alat prakelayakan yang membolehkan anda melihat peluang kelulusan anda tanpa menjejaskan skor kredit anda.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Lengkapkan Borang Permohonan: <\/strong>Berikan butiran peribadi yang tepat, termasuk pendapatan, status pekerjaan dan alamat anda. Maklumat ini membantu Citi menilai kelayakan anda.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Hantar Permohonan Anda: <\/strong>Selepas mengisi borang, hantar permohonan anda. Citi biasanya bertindak balas dengan keputusan kelulusan dalam beberapa minit, walaupun sesetengah kes mungkin mengambil masa yang lebih lama.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Aktifkan Kad Anda Setelah Diluluskan: <\/strong>Setelah diluluskan, aktifkan Kad Kredit Citi Simplicity\u00ae anda melalui tapak web atau aplikasi mudah alih Citi dan mula menggunakannya dengan segera.<\/li>\n<\/div><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 class=\"wp-block-heading\">Syarat Kelayakan<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Sebelum menghantar permohonan anda, pastikan anda memenuhi syarat kelayakan yang diperlukan.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Skor Kredit<\/strong>: Biasanya, kelulusan lebih berkemungkinan dengan skor kredit 670 atau lebih tinggi.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Keperluan Umur<\/strong>: Anda mesti berumur sekurang-kurangnya 18 tahun untuk memohon.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>pendapatan<\/strong>: Bukti pendapatan stabil yang mencukupi untuk menguruskan pembayaran kad kredit diperlukan.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Residensi<\/strong>: Pemohon perlu tinggal di AS dan memiliki nombor Keselamatan Sosial yang sah.<\/li>\n<\/div><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 class=\"wp-block-heading\">Ketahui tentang pilihan lain: Kad Kredit Petal\u00ae 1<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Kad Kredit Citi Simplicity\u00ae ialah pilihan utama bagi sesiapa yang mencari bantuan kewangan melalui tempoh tanpa faedah yang dilanjutkan dan polisi yuran yang memaafkan.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Tumpuannya pada ketelusan menjadikannya amat menarik bagi pengguna yang menyatukan hutang atau memerlukan fleksibiliti dengan pembayaran.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Tetapi walaupun Kad Kredit Citi Simplicity\u00ae sangat baik untuk meminimumkan yuran dan menguruskan hutang, ia mungkin tidak memenuhi keperluan semua orang.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Bagi mereka yang mempunyai sejarah kredit terhad atau mencari program ganjaran, Kad Kredit Petal\u00ae 1 ialah alternatif yang kukuh.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Kad Kredit Petal\u00ae 1 terkenal dengan pendekatan yang mesra pengguna dan inklusif.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Ia direka untuk individu yang mempunyai kredit yang adil atau tiada sejarah kredit, menawarkan peluang unik untuk membina kredit secara bertanggungjawab.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Tanpa yuran tahunan dan peluang untuk memperoleh pulangan tunai bagi pembelian, ia menarik minat khalayak yang berbeza.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Bagi pengguna yang menumpukan pada ganjaran atau membina kredit dari awal, Kad Kredit Petal\u00ae 1 menyediakan pilihan yang kompetitif.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Lihat artikel seterusnya untuk mengetahui lebih lanjut tentang Kad Petal\u00ae 1 sebelum membuat keputusan anda!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-2ncWXi\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/morenetcash.com\/ms\/petal-1-no-annual-fee-visa-review\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Petal\u00ae 1: Kredit Boleh Dipercayai\">\n          <div class=\"m-auto float-none\">\n            <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/02\/Petal\u00ae-1-No-Annual-Fee-Visa\u00ae-Credit-Card-4.png\" alt=\"Petal\u00ae 1 \u201cNo Annual Fee\u201d Visa\u00ae Credit Card\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/morenetcash.com\/ms\/petal-1-no-annual-fee-visa-review\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Petal\u00ae 1: Kredit Boleh Dipercayai\">\n            Petal\u00ae 1: Kredit Boleh Dipercayai        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Lihat bagaimana anda boleh membina asas kredit yang kukuh sambil memperoleh pulangan tunai dan memanfaatkan tanpa yuran tahunan.        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/morenetcash.com\/ms\/petal-1-no-annual-fee-visa-review\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Teruskan Membaca            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { 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class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button data-no-translation class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/morenetcash.com\/ms\/petal-1-no-annual-fee-visa-review\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img decoding=\"async\" loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/morenetcash.com\/wp-content\/uploads\/2024\/02\/Petal\u00ae-1-No-Annual-Fee-Visa\u00ae-Credit-Card-4.png\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Petal\u00ae 1: Kredit Boleh Dipercayai              <\/p>\n              <a href=\"https:\/\/morenetcash.com\/ms\/petal-1-no-annual-fee-visa-review\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Teruskan Membaca                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Anda akan kekal dalam laman web yang sama              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Kad Kredit Citi Simplicity\u00ae tidak menawarkan yuran tahunan, tiada penalti lewat dan sehingga 21 bulan APR pengenalan 0%. <\/p>","protected":false},"author":14,"featured_media":1811,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[156],"tags":[295],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Citi Simplicity\u00ae Card: Zero Fees and Ultimate Flexibility - More Net Cash<\/title>\n<meta name=\"description\" content=\"Discover the Citi Simplicity\u00ae Credit Card: zero annual fees, no late fees, and up to 21 months of 0% APR. 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