The launch of the new citi Simplicity card was centered around the notion that credit cards, well, stink. For years, they’ve caused nothing but worry, anger and consternation amongst the general public. If it wasn’t intractable late fees or an eye-bulging APR, it was their lame reward programs. So we decided to diagnose those banking shortfalls as actual physical maladies - and then offer a cure, the citi Simplicity credit cards.