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Citi Costco Anywhere Visa Approval Odds

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Citi Costco Anywhere Visa Approval Odds

Hi all,

I am new here and I am also a new immigrant to the US.
I have a question I need your help with:
So, I started my credit history 8 months ago with Secured Discover It Card, 300$ CL.
I was responsible and got graduated on the 7th statement with CLI to 2000$.
My FICO score via Discover App: 771
TU via CreditKarma: 719
Equifax via CreditKarma: 705
All scores above still do not contain info about graduation and CLI, so as I googled usually score goes down a little bit because of CLI.

I am looking at applying for 2 CC right now:
1. Chase Freedom Unlimited (will apply after the next statement when CLI mentioned above will be shown). I think this one is easy CC.
2. Citi Costco Anywhere Visa (I am a member of Costco and really want this card, I tried applying for it before I had any credit history and was denied due to lack of it, this is how I actually found out about Secured Cards for new Immigrants with no history).

So, the question is, what do you think about my approval odds for Citi Costco Card considering my good, but short history with just 1CC at the moment. Do you think I should wait maybe 4-5 more month after getting Chase Freedom one and then try? Or I also heard about applying on the same day so banks can't see another CC application, maybe that's a case for me? Just want to see other people experiences to decide. Thank you, guys!
P.S: I am planning on opening 3 Chase CC before 5/24 rule will be applied to me and then maybe other cards. Planning on having Chase Trifecta to get more bonuses, points, etc. But does it make sense opening Costco Citi Card in this case? I mean will I be using it still if I have Chase Unlimited, Supfire and Preferred in the future.. ? What do you think ? 

Started building credit in January 2019. This is what it looks like right now:
Discover IT Chrome | SL $300 as Secured | CL $2,000 | Jan 2019 (graduated from Secured after 7th statement)
Chase Freedom Unlimited | Planning on applying Sep 2019
---------------
FICO via Discover: 771
FICO via Experian: 742
TU: 719
Equifax: 705
---------------
AAoA: 8 months
Message 1 of 11
10 REPLIES 10
New Contributor

Re: Citi Costco Anywhere Visa Approval Odds

Your score is good enough but I would wait for your age of credit to go to 1 year and also check the pre-qualification website first to gauge your odds of approval. The Costco Citi card has some good spots that can cover any categories the Chase cards may miss. Good luck 👍







Garden Life: 4.15.19
Leaving Garden: 2.15.20
Updated: 5.30.19


Message 2 of 11
Moderator

Re: Citi Costco Anywhere Visa Approval Odds

Based on the information you provided, it appears too soon to pull the trigger at this time for the Costco Visa. I'd say more than likely try it once your overall history has aged 12+ months.

Optionally, you can try the Citi pre-qualification tool to provide a bit of a barometer with regard to the odds, not required of course.
Message 3 of 11
Moderator

Re: Citi Costco Anywhere Visa Approval Odds

echo at what @FinStar  stated usually 1 year of greater for best results for both citi and also the chase that you mentioned.

Chase | Citibank | Amex | BofA | PenFed | NFCU | Discover | 5/3rd | Synovus | Commerce | FNBO | Union Bank | Regions
Message 4 of 11
Member

Re: Citi Costco Anywhere Visa Approval Odds

Just checked Citi Pre Qualification website, nothing pop up for me.
Okay, so then I will get Chase Freedom Unlimited, and wait when both cards will average at 1-year history and apply for Citi Costco then.
Thank you Smiley Happy

Started building credit in January 2019. This is what it looks like right now:
Discover IT Chrome | SL $300 as Secured | CL $2,000 | Jan 2019 (graduated from Secured after 7th statement)
Chase Freedom Unlimited | Planning on applying Sep 2019
---------------
FICO via Discover: 771
FICO via Experian: 742
TU: 719
Equifax: 705
---------------
AAoA: 8 months
Message 5 of 11
Member

Re: Citi Costco Anywhere Visa Approval Odds

Can I get Citi Costco as Secured Card or this option is not available?

Started building credit in January 2019. This is what it looks like right now:
Discover IT Chrome | SL $300 as Secured | CL $2,000 | Jan 2019 (graduated from Secured after 7th statement)
Chase Freedom Unlimited | Planning on applying Sep 2019
---------------
FICO via Discover: 771
FICO via Experian: 742
TU: 719
Equifax: 705
---------------
AAoA: 8 months
Message 6 of 11
Moderator

Re: Citi Costco Anywhere Visa Approval Odds

There's no secured version of the Costco card, unfortunately.
Message 7 of 11
Member

Re: Citi Costco Anywhere Visa Approval Odds

Hey, how did you add all your cards to your signature in each message you post?
Nevermind, I found it Smiley Happy
I don't think I can do badges because I am a new member, like a newbie...have to increase reputation I guess.

Started building credit in January 2019. This is what it looks like right now:
Discover IT Chrome | SL $300 as Secured | CL $2,000 | Jan 2019 (graduated from Secured after 7th statement)
Chase Freedom Unlimited | Planning on applying Sep 2019
---------------
FICO via Discover: 771
FICO via Experian: 742
TU: 719
Equifax: 705
---------------
AAoA: 8 months
Message 8 of 11
Member

Re: Citi Costco Anywhere Visa Approval Odds

So, I just got an additional question if you don't mind.
If I will get Chase Unlimited now, then I will have to wait 8 months to have my average age 12 months.
That's a long wait, so what is the best scenario for me considering I want to get Chase Trifecta before 5/24 rule will be applied to me !?

Started building credit in January 2019. This is what it looks like right now:
Discover IT Chrome | SL $300 as Secured | CL $2,000 | Jan 2019 (graduated from Secured after 7th statement)
Chase Freedom Unlimited | Planning on applying Sep 2019
---------------
FICO via Discover: 771
FICO via Experian: 742
TU: 719
Equifax: 705
---------------
AAoA: 8 months
Message 9 of 11
Valued Member

Re: Citi Costco Anywhere Visa Approval Odds

I was approved at 8 months of history.



Message 10 of 11
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