Costco Amex Question

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Thansk pakman.  My situation would be that this would be my first Amex ever.  I would hope that in the future if I get another one, they would backdate to when the Costco card started.

Also, just looking at the rewards, it seems really impressive. 3% on all gas, 2% from restaurants (I eat out a lot) and travel, and 1% on everything, all with no annual fee.  Sounds like a winner to me.  I imagine it is a lot harder to get than Zync though.

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Not to fuel your app itch but if you eat out a lot another great restaurant card is Citi Forward - its 5 points/dollar spent on dining (incl fast food). This translates to 3.3% cash back as a statement credit or 4-5% when redeemed for gift cards, mortgage or student loan payments, travel, and some other things. It's no AF and also a Visa so all the mom and pop stores will accept it. Restaurants make up a lot of my monthly spending so this card has been invaluable to me!

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Actually one step ahead of you.  Already apped Citi Forward yesterday.  I got the wait 7-10 day message, so I'm waiting (im)patiently for now.

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Nice, good luck! Have you tried calling in to see what the hold up is?

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I called this morning and the CSR just said they would notify me when they made a decision.  I can't seem to find a backdoor number to a credit analyst to ask for more details.  The CSR doesn't seem to know anything or have any power to make a decision.  Any ideas on who I might call?

[Anonymous]

Not sure. Just the #s on the backdoor #s sticky. Looks kinda messy for Citi, don't see a dedicated recon line.

Citi: 888-201-4523 (New App Approval Status)

Citi AA:  888-662-7759

Citi App Status: 800-645-7240, 800-288-4653, 800-750-7453 

Citi: 800-444-2568 (Retention Dept.)

Citi: 800-763-9795 (App status?? They ask for your app #)

Citi Credit Bureau Dispute Fax: 866-713-5028

[teenastie]

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@Anonymous wrote:

Yes, I am done with my app spree and not applying, but I was curious about this card after seeing it mentioned a few times.  Is it like a normal Amex where it becomes eligible for backdating, etc?  How hard to get is it?  I am a Costco member and frequent shopper and one of the downsides is that they don't take my CCs, so I can't get rewards on my purchases there.  The last card I want to add to my portfolio for a while is an Amex (to start the backdating clock).  I was going to reapp for Zync at the end of the year, but perhaps I could apply fo this one instead if it is better.  What do you all think?

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This is true for warehouse shopping if you don't already have an Amex. But you can use Visa, MC, and Discover online if you have a big purchase planned they deliver and if you don't like the product you can return back to the local warehouse. I hope this helps!

[dead9uy]

I have had the Costco AMEX for about 9 months and really like it. Just received my bonus check for last year. I was approved with FICO in the 670's, about 7 inquiries and 1 paid collection from 4 years ago. I started with a $1,200 limit and was recently bumped to $3,600. 

Hope that helps.

[pakman92]

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@dead9uy wrote:

I have had the Costco AMEX for about 9 months and really like it. Just received my bonus check for last year. I was approved with FICO in the 670's, about 7 inquiries and 1 paid collection from 4 years ago. I started with a $1,200 limit and was recently bumped to $3,600. 

Hope that helps.

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Did you have to ask for the bump or was it auto?

[dead9uy]

I requested through their site. No HP or further inquiry on their part. It automatically approved. 

[halos24]

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@Anonymous wrote:

Yes, I am done with my app spree and not applying, but I was curious about this card after seeing it mentioned a few times.  Is it like a normal Amex where it becomes eligible for backdating, etc?  How hard to get is it?  I am a Costco member and frequent shopper and one of the downsides is that they don't take my CCs, so I can't get rewards on my purchases there.  The last card I want to add to my portfolio for a while is an Amex (to start the backdating clock).  I was going to reapp for Zync at the end of the year, but perhaps I could apply fo this one instead if it is better.  What do you all think?

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I applied for this card Jan 2011 and was approved, they also backdated the card to state 2005 on my reports which is when I was an AU on my husbands two Amex cards!  I did not have to ask for the back date they did that automatically on both my Amex TU and Zync.  So far I have been happy with the Amex TU I received my first cash back check this year for almost $300!

[LS2982]

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@Anonymous wrote:

Yes, I am done with my app spree and not applying, but I was curious about this card after seeing it mentioned a few times.  Is it like a normal Amex where it becomes eligible for backdating, etc?  How hard to get is it?  I am a Costco member and frequent shopper and one of the downsides is that they don't take my CCs, so I can't get rewards on my purchases there.  The last card I want to add to my portfolio for a while is an Amex (to start the backdating clock).  I was going to reapp for Zync at the end of the year, but perhaps I could apply fo this one instead if it is better.  What do you all think?

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I think your better off after gardening to try for a charge card first. Get your foot in the door with AMEX.

[halos24]

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@dead9uy wrote:

I have had the Costco AMEX for about 9 months and really like it. Just received my bonus check for last year. I was approved with FICO in the 670's, about 7 inquiries and 1 paid collection from 4 years ago. I started with a $1,200 limit and was recently bumped to $3,600. 

Hope that helps.

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What was your util when you asked for the CL?  I have asked twice since having the card (Jan 2011) and no luck.  They also started me at $1,200, but then again my util is high right now. 

[LS2982]

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@dead9uy wrote:

I have had the Costco AMEX for about 9 months and really like it. Just received my bonus check for last year. I was approved with FICO in the 670's, about 7 inquiries and 1 paid collection from 4 years ago. I started with a $1,200 limit and was recently bumped to $3,600. 

Hope that helps.

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Very nice CLI bump, Congrats!