topic Re: Citi Costco Inqs in Credit Card Applications

Citi Costco Inqs

Anonymous — Thu, 17 Dec 2020 10:44:43 GMT

I know they are picky with this card on inquiries, I know it heavily pulls experian, and I just had a pull from Amex business

790 exp

Profile looks like this,

less than 800 dollars in debt spread out over 4 loans less than 8%

0% utilization 29800 available credit

1 inquiry on exp from this month

0 on eq

1 on tu from march

no new personal accounts since March

New exp inquiry knocked Home Depot prequal off

how long until it's safe to try for the Costco card

Re: Citi Costco Inqs

BetterMoves — Thu, 17 Dec 2020 05:53:48 GMT

I do not know the answer to your question, but I was approved with an EXP inquiry 3 weeks prior to the Citi Costco pull, and another 14 months before that. My score was in the 720 range (I think).

Re: Citi Costco Inqs

Anonymous — Thu, 17 Dec 2020 10:46:01 GMT

Thanks I just saw that a couple people were popped for inquiries and had like 2 in 12

Re: Citi Costco Inqs

Ficoproblems247 — Thu, 17 Dec 2020 13:48:24 GMT

I know regular Citi is inq and new account sensitive for 6 months. Costco is CBNA so their underwritting is different. Your profile looks like it would be pretty solid for a Costo card app IMO, but maybe someone else with more experience on that card could chime in. Also, are all of your revolvers at 0%? You say your debt is spread over 4 loans and your util is at 0%. Just wanted to make sure that's not really the case and you have at least a small balance reporting on a card somewhere in there.

Re: Citi Costco Inqs

Anonymous — Thu, 17 Dec 2020 14:03:16 GMT

Okay yeah 0.3% Azeo at all times

Re: Citi Costco Inqs

Ficoproblems247 — Thu, 17 Dec 2020 14:38:22 GMT

@Anonymous wrote:
Okay yeah 0.3% Azeo at all times

Got it! Good, I figured as much because you've been around the forums awhile so figured you'd be up on all that but just wanted to ask because of how you worded your post lol.

Re: Citi Costco Inqs

GApeachy — Thu, 17 Dec 2020 14:56:03 GMT

I used to use Citi's Home Depot prequal for a gauge on when to app anything Citi also. Idk if it works or not but it made me feel better. Citi has never denied me because of all of my inquiries but again, I waited on the Home Depot prequal to give a green light.

I have a lot of products personal and biz with Citi over the past two years. Lot's of app'ing going on with them and your Exp. profile shreds mine. I too think you'd be approved, but dn't wanna say it......haha! Good Luck if and when.

Re: Citi Costco Inqs

Anonymous — Thu, 17 Dec 2020 15:01:49 GMT

Well I read on some dps they double pull with eq or pull just eq and I'm rolling with two sl lates I should probably wait till those go away in the off chance they pull both or just eq the do almost always pull Ex in my state (oh) I'd still rather wait I think

Re: Citi Costco Inqs

Anonymous — Fri, 18 Dec 2020 19:47:41 GMT

@GApeachy wrote:
I used to use Citi's Home Depot prequal for a gauge on when to app anything Citi also. Idk if it works or not but it made me feel better. Citi has never denied me because of all of my inquiries but again, I waited on the Home Depot prequal to give a green light.
I have a lot of products personal and biz with Citi over the past two years. Lot's of app'ing going on with them and your Exp. profile shreds mine. I too think you'd be approved, but dn't wanna say it......haha! Good Luck if and when.

I just got a rewards plus card and after seeing this I hit the PQ button for HD and got "You are preapproved for....", Now I kind of want a double cash card..... its been less than a month on the current citi.... hmmm should I? Dare I? Why'd you have to say that about the preapproval?

Re: Citi Costco Inqs

Anonymous — Sat, 19 Dec 2020 11:12:26 GMT

Preapproved for hd =/= approved for legacy cards Home Depot is underwritten by the retail side the dc is notoriously hard to get and if you just got approved for a citi card I wouldn't do it I use that prequalifier as what won't I get approved for vs what will I get approved for it's a guage only

Re: Citi Costco Inqs

GApeachy — Sat, 19 Dec 2020 12:01:38 GMT

+ (a bunch!) ^^^

Yeah....gauge only. Plus you gotta use your own dp's like, how recently you've opened a tl with said creditor. Remember, it's a gauge, not a magic ball, lol! Now put that trigger finger down and slowly back away @Anonymous

Re: Citi Costco Inqs

Ficoproblems247 — Sat, 19 Dec 2020 12:35:14 GMT

+1 and +2 to Chandler and Peachy. I'd wait 6 months if you're interested in picking up a DC. Legacy Citi UW is sensitive to new accounts and inq less than 6 months old. It's worth the wait, IMO. It's a really solid non category card to have in your wallet!