11-21-2013 08:46 AM - edited 11-21-2013 08:47 AM
How hard is this card to get? Is it easier than their other cards? The woman at Costco told me that they are mor lenient if you do it in the store. Anyone have experience with this?
Thank you for your responses
11-21-2013 08:56 AM
The woman probably gets incentive pay for signing up new customers. You may have to give us your credit history to give an opinion. Such as average age of accounts any baddies, how many hp on your credit report and current cards to name a few.
11-21-2013 08:58 AM
It's easier to do it in the store because they can verify your Costco membership at the same time you apply. Otherwise, I believe the Costco True Earnings Amex has about the same qualification requirements as any other Amex revolver.
11-21-2013 02:24 PM
I recently was approved for this card. 725ish EX fico, no late payments or chargeoffs or collections on EX, 9yo BK, 25% Util, 1 INQ in the last year. I had never applied for an AMEX before but we are shopping alot at Costco and that';s the only card they take. Hope that helps.
11-21-2013 04:13 PM
11-21-2013 07:07 PM
10-12-2014 03:50 PM
Didn't work for me. I've been turned down twice and now I have one of their special offer letters. Trying to decide if I want to go for it. I have it on another thread.
Offer?! YES GO!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.