Does the Costco Business require a PG?

[asifali]

Hi Everyone,

I was wondering if the Costco Business Credit Card required a personal guarantee.

2 weeks ago I got approved for Sams Club Business for a CL of $8k without any PG/Hard Pull to my personal credit. I'm hoping its the same for Costco. Please let me know!

[bizcredit11]

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@asifali wrote:

Hi Everyone,

I was wondering if the Costco Business Credit Card required a personal guarantee.

2 weeks ago I got approved for Sams Club Business for a CL of $8k without any PG/Hard Pull to my personal credit. I'm hoping its the same for Costco. Please let me know!

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@asifali Welcome to myFico! Lots of solid information and data here.

Yes, it's definitely a PG. Congrats on your Sam's business card no PG.  Are you working towards the MC?

Do you really need both anyway? You are on your way with Sam's Club.

bizcredit11

[asifali]

Thanks!

I'm worried my personal credit won't be suffcient enough for the card. 

I wanted the Costco business card because I shop very frequently there for certain business needs and somethings Sams Club doesn't have, Costco has.

[bizcredit11]

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@asifali wrote:

Thanks!

I'm worried my personal credit won't be suffcient enough for the card. 

I wanted the Costco business card because I shop very frequently there for certain business needs and somethings Sams Club doesn't have, Costco has.

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Then don't apply and PG. I worked on my business credit for well over 2 years without PG'ing any accounts. This gave me time to work on and improve my personal credit. Can you just use another Visa card at Costco for awhile? I have not found Costco and Sam's to be that different. 

[Creditaddict]

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@bizcredit11 wrote:

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@asifali wrote:

Thanks!

I'm worried my personal credit won't be suffcient enough for the card. 

I wanted the Costco business card because I shop very frequently there for certain business needs and somethings Sams Club doesn't have, Costco has.

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Then don't apply and PG. I worked on my business credit for well over 2 years without PG'ing any accounts. This gave me time to work on and improve my personal credit. Can you just use another Visa card at Costco for awhile? I have not found Costco and Sam's to be that different. 

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EXTREMELY Different for me!

Costco has free delivery when you spend over $250.

Tons of products even with Sams Plus accounts particularly Vending type products do not ship free and you have to go pickup.

I actually use Costco more than Sams despite having $40k+ in 2 business cards with Sam but can't get 1 with Costco now that they went citi!

[asifali]

Yea, thats why I really was looking into the Costco Business card. Are there any alternitives that I can apply for?