Citi Costso Anywhere Visa Approval

SilentTraveler — Fri, 21 Nov 2025 08:09:13 GMT

Well this was unexpected. I was ordering something on Costco's website and wanted to have it delivered rather than make a 1-1/2 hour bus trip each way to pick it up. They offered a pre-approval and I ended up getting approved for a $4,000 starting limit.

My background, Filed for BK 7 03/23, Discharged 06/23. Did not have any Citi accounts so they were not included. However, two limiting factors in my financial situation. My only income is from Social Security, so it is currently about $25k. Besides the BK7, the only other "bad" items are my open student loans. I have always had them on an income based repayment scheme, and have always made payments so they are all showing positive. The problem is that with my current income being so low, my calculated payment is zero. So although I make monthly payments it is never counted as a positive in underwriting since my DTI is based upon 1% of outstanding balances. Thus leading me to being turned down for Synchrony/Amazon Store card - secured and also BECU secured card. Their denials were based on my DTI.

So Citi Costco credit was approved at $4,000 and they pulled TU and it shows a credit score of 691.

Now my only concern is they mention sometihng about needing a costco membership. I am an authorized user and don't know if they will accept this or if I will need to have my own membership. I am thinking I will have to set up my own account since they would have problems tracking the annual rebates.

Re: Citi Costso Anywhere Visa Approval

Copenix — Fri, 21 Nov 2025 08:14:01 GMT

Nice for you! Congrats on your approval.

Re: Citi Costso Anywhere Visa Approval

DeeBee78 — Fri, 21 Nov 2025 18:36:01 GMT

You don't need to get your own Costco membership if you don't want to. The 2% executive rebate goes to the primary account holder, as it did before you had the Costco visa.

Your Costco Visa cash back is separate and comes with your February statement.

Re: Citi Costso Anywhere Visa Approval

cashorcharge — Fri, 21 Nov 2025 18:57:38 GMT

WOOHOO!! Congratulations on your Approval!!👏🏼🍾🥂

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Citi Costso Anywhere Visa Approval

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Re: Citi Costso Anywhere Visa Approval