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similar story here but no collection. I got my citi costco in mid January. I see SP cli right after I received the card. I tried but no luck. I didn't receive any later at all for denial reason.
CLI SP pop up just 10 days ago. this time they approved me from 5K to 6.5K
I usually charge between $600-$1000 for costco purchase, restaurants (not for last 3 months because of Disco) and gas
I always paid in full before statement closing. I let them report balance only once which is this month for $58 right after that I received soft pull CLI. I don't know if this make anf difference.