Tried Citi pre-qualification site, odd result...

[Anonymous]

...I got the "We couldn't match your records to a pre-qualified credit card offer", which I was expecting, but I got a "you may like" offer for the Costco Anywhere Visa card - with a single-figure 16.24% APR offer and a 0% balance transfer offer for 7 months. I guess the records Citi's computers were scanning show I'm a Costco member (I have to renew my membership this month, though). With a single-figure offer from the Citi site even if it's not "pre-qualified"/"pre-approved", is it worth trying for since the odds are usually good on single-figure offers? The other "you may like" offers on the results page were all marketing spreads of 13.99%/14.99%/15.99% to 24.99.%

[Anonymous]

I believe the citi costco visa has a set apr for that product. Which means if your approved with a 750+ fico or a 670 fico you will get the same apr. Someone please correct me if im wrong.

[DeeBee78]

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@Anonymous wrote:
I believe the citi costco visa has a set apr for that product. Which means if your approved with a 750+ fico or a 670 fico you will get the same apr. Someone please correct me if im wrong.

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Nope, you're right. 

Also, even if you get it, you can't trust that Costco Visa preapproval at all. Twice now I've been preapproved for it, only to be shot down.