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@dds2be wrote:
yes this is true, i work for costco, and process the TE amex applications all day. If you apply on the american website, usually you do not get an instant decision because they have to verify with costco that your membership is a currently active membership. If you apply in store, your membership is verified instantly, and if your credit profile fits then you can receive an instant approval and an immediate tempory card to use.
also if anyone is interested in some Costco TE information, just from what I've seen be approved, I've seen the lowest limit as 800 to as high as 35k. I've had people apply for it with as a little as 1 year of credit history and been approved. I've also had some people hesistant on applying, saying their scores are around 670 (can't really verify don't know if that is their fico or fako) with no recent baddies and be approved for around 1200. 10k-14k is pretty common approval I see with people with credit in the 700's and income about 90k. fyi this is just what i've personally processed, so results may vary. hope this helps anyone interested in applying. also, usually in store is better if you hold an executive membership at costco as currently amex credits $55 for consumer TE card after 250 spend in 90 days, and $75 for TE business card approval but only for executive members as well as 6mo no interest. 6 mo no interest is available on amex website application but the statement credit is an in store promo only.
+1
I applied in store with an active executive membership status. I received an instant approval with $14,400 limit and got a temp card right away. I received my card within 7 days. After spending $250 in the first month, I received $55 credit on my statement right away. At the time of applying, my EQ FICO was around 790. I ahve no late payments or any baddies. Hopefully it helps.
@DigitalArk wrote:
@dds2be wrote:also if anyone is interested in some Costco TE information, just from what I've seen be approved, I've seen the lowest limit as 800 to as high as 35k. I've had people apply for it with as a little as 1 year of credit history and been approved. I've also had some people hesistant on applying, saying their scores are around 670 (can't really verify don't know if that is their fico or fako) with no recent baddies and be approved for around 1200. 10k-14k is pretty common approval I see with people with credit in the 700's and income about 90k. fyi this is just what i've personally processed, so results may vary. hope this helps anyone interested in applying. also, usually in store is better if you hold an executive membership at costco as currently amex credits $55 for consumer TE card after 250 spend in 90 days, and $75 for TE business card approval but only for executive members as well as 6mo no interest. 6 mo no interest is available on amex website application but the statement credit is an in store promo only.yes this is true, i work for costco, and process the TE amex applications all day. If you apply on the american website, usually you do not get an instant decision because they have to verify with costco that your membership is a currently active membership. If you apply in store, your membership is verified instantly, and if your credit profile fits then you can receive an instant approval and an immediate tempory card to use.
+1
I applied in store with an active executive membership status. I received an instant approval with $14,400 limit and got a temp card right away. I received my card within 7 days. After spending $250 in the first month, I received $55 credit on my statement right away. At the time of applying, my EQ FICO was around 790. I ahve no late payments or any baddies. Hopefully it helps.
+2
Mine was an instant approval in the store as well.
I applied online with no targeted offer and got instant online approval. I just put in my Costco membership number and information and bam! I only got a 5,000 limit, but that is tie for my highest limit of 5,000 on the Chase Sapphire non-Preferred. Good enough for me! Credit score was about 709 (via Discover FICO) with quite a long history (AU on my dad's card that is 20+ years old and my first credit card was about 7 years ago).
If you want other data points, when I've applied for BCE and Blue Sky, I had my approval within around 60 seconds after hitting submit. I'd think TrueEarnings would be the same.
Well I ended up applying and it's still stuck at "In Progress" today. Have to think they need to verify membership, got my 3x CLI on BCP yesterday so I can't imagine they'd deny me. Fingers crossed!
@rushx2112 wrote:Well I ended up applying and it's still stuck at "In Progress" today. Have to think they need to verify membership, got my 3x CLI on BCP yesterday so I can't imagine they'd deny me. Fingers crossed!
Just call the new app line: 866.314.0237
Just got my approval email, card hasn't shown up on my account yet so no idea what my CL is
Yes it took about 2 or 3 days for me to be able to sign into the app/online to see my CL. I was happy :-) Congrats on approval