How strict is Citi Costco for a first account?

[Anonymous]

I made another thread about my CSP denial, now I'm moving on to a different card to build for a while before retrying for that one..

My FICO8 by Experian is 708, FICO8 by TransUnion is 750, and FICO8 by Equifax is 734 (as of 7/2/16) with one AU account (9yrs, ~3% util, 6k CL) reporting to my credit, so I don't currently have my own account at the moment. I've been at my current job for about 7 months and I make about 70k a year. I do not have rent/utility expenses.

I'm just wondering how strict Citi is about giving people this card as a first account, I currently go to Costco with my parents and probably wouldn't spend the yearly fee if it's obvious that I'm not going to get approved.

Would love to hear everyone's experiences. Thank you!

[dragontears]

Unfortunately, I don't think there is any data points to help answer your question since the card has been with Citi for only a few weeks and I have not heard of anyone trying to get it as their very first card

[CountryLivin]

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@Anonymous wrote:

I made another thread about my CSP denial, now I'm moving on to a different card to build for a while before retrying for that one..

My FICO8 by Experian is 708, FICO8 by TransUnion is 750, and FICO8 by Equifax is 734 (as of 7/2/16) with one AU account (9yrs, ~3% util, 6k CL) reporting to my credit, so I don't currently have my own account at the moment. I've been at my current job for about 7 months and I make about 70k a year. I do not have rent/utility expenses.

I'm just wondering how strict Citi is about giving people this card as a first account, I currently go to Costco with my parents and probably wouldn't spend the yearly fee if it's obvious that I'm not going to get approved.

Would love to hear everyone's experiences. Thank you!

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Go to Costco and sign up for your own membership.......then apply for the card! I would think, seeing all of the approvals( some of which are surprising), that they have relaxed their requirements to get new members (Both Costco and Citi). If you get decliined, you can cancel your membership and get a full refund. So you basically have nothing to lose , other then a Hard pull.  Best of luck to you! But I really think that you will be approved if you apply, but sooner is better!

[Anonymous]

Oh! Didn't notice Costco had a good membership refund policy ^_^
Just bought a membership and put in an application, got further processing msg but I expected that. Thanks for the heads up!

[RonM21]

Best of luck to ya!

[Anonymous]

Discover IT was my first card, well technically 2nd, but the 1st was 15 yrs ago and it doesnt show up on my reports anymore.

[12njoy]

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@Anonymous wrote:

I made another thread about my CSP denial, now I'm moving on to a different card to build for a while before retrying for that one..

My FICO8 by Experian is 708, FICO8 by TransUnion is 750, and FICO8 by Equifax is 734 (as of 7/2/16) with one AU account (9yrs, ~3% util, 6k CL) reporting to my credit, so I don't currently have my own account at the moment. I've been at my current job for about 7 months and I make about 70k a year. I do not have rent/utility expenses.

I'm just wondering how strict Citi is about giving people this card as a first account, I currently go to Costco with my parents and probably wouldn't spend the yearly fee if it's obvious that I'm not going to get approved.

Would love to hear everyone's experiences. Thank you!

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Some have been approved with many inq's on EX.  I applied and was denied due to "recent inq's".  I'll be contacing EO tomorrow for review.  Good luck.