cancel
Showing results for 
Search instead for 
Did you mean: 

Citi Costco Anywhere approval

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Highlighted
Established Member

Citi Costco Anywhere approval

After having been rebuilding and working on my credit for a number of months now, I decided to take a shot in the dark and cold app the Citi Costco Anywhere Visa card. Initially, I had received the 7-10 day notice due to a fraud alert on my file. Made a quick phone call to the application line, spoke with a live agent, had them verify some information and do a quick callback (to make sure I owned the phone # too), and BAM! Approval!!! 5,500 SL with a Experian HP (673 on FICO8). I was almost in tears - I've never been able to just *get* a credit card that wasn't at $300-$500 or so without it being secured, and I'm almost 30.

 

For some background, I have a few lates and baddies, though all charge-offs were 2+ years old and paid or cancelled, and last late was 4/2018. My credit has always taken a beating in the past, and only recently did income and such stabalize to the point that I felt I could apply for a card cold and actually have a shot at getting one. Look forward to getting it in the mail soon!

As of 4/2/2019: TU8: 638 EQ8: 660 EX8: 673
2/2018: TU8: 491 EQ8: 461 EX8: 464
Rebuilding since: 02/2018

Citi Costco: $5.5k | Discover it: $2k (Graduated from secured 5/2019) | FPB: $675 | CreditOne: $300 | Target REDCard: $300 | PayPal MC: $2k
Discover it Chrome AU: $2.1k | CreditOne AU: $650
Wells Auto: $18,500 | Capital One Auto: $15,300
14 REPLIES 14
Community Leader
Valued Contributor

Re: Citi Costco Anywhere approval

Congrats and nice SL!
Discover It: 19.7k
Amex BCE: 18k
Citi DC: 5.7k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 2 of 15
Community Leader
Super Contributor

Re: Citi Costco Anywhere approval


@redwoodsmosh wrote:

After having been rebuilding and working on my credit for a number of months now, I decided to take a shot in the dark and cold app the Citi Costco Anywhere Visa card. Initially, I had received the 7-10 day notice due to a fraud alert on my file. Made a quick phone call to the application line, spoke with a live agent, had them verify some information and do a quick callback (to make sure I owned the phone # too), and BAM! Approval!!! 5,500 SL with a Experian HP (673 on FICO8). I was almost in tears - I've never been able to just *get* a credit card that wasn't at $300-$500 or so without it being secured, and I'm almost 30.

 

For some background, I have a few lates and baddies, though all charge-offs were 2+ years old and paid or cancelled, and last late was 4/2018. My credit has always taken a beating in the past, and only recently did income and such stabalize to the point that I felt I could apply for a card cold and actually have a shot at getting one. Look forward to getting it in the mail soon!


Congratulations on getting a card with a very nice grownup starting limit. 

 

Enjoy. 

REVISED GOAL: Garden ‘til Dec 2020 — 0 inquiries

Previous Goal: Garden til APR 2020 (extended) and
800 Club (accomplished)


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799
DEC 2017: EX 775, TU 778, EQ 769

|| NFCU CashRewards $30K || AmX Cash Magnet $30K || Discover IT $22.2K || Macy's $20K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 3 of 15
Regular Contributor

Re: Citi Costco Anywhere approval

Congrats! That's a terrific card. Good job getting on track, full steam ahead!

Aug 2019: EQ 713, EX 698, TU 708 (Mar 2017: 550's)

AAoA: 8.6 years, Gardening Goal: Spring 2020
Message 4 of 15
Regular Contributor

Re: Citi Costco Anywhere approval

That's Awesome!!! Congrats! Thanks for the data points. I too can feel you, finally on track to be able to app for whatever. Must say it feels good. I want to get the Costco card but I'm going to wait as I just had an app spree.






img
Message 5 of 15
Regular Contributor

Re: Citi Costco Anywhere approval

Just curious how many inquiries you have?





img
Message 6 of 15
Established Member

Re: Citi Costco Anywhere approval

8, including the Costco app. There's actually ~25, but they haven't dated off yet (though they were supposed to in March) which were all auto loan related.

As of 4/2/2019: TU8: 638 EQ8: 660 EX8: 673
2/2018: TU8: 491 EQ8: 461 EX8: 464
Rebuilding since: 02/2018

Citi Costco: $5.5k | Discover it: $2k (Graduated from secured 5/2019) | FPB: $675 | CreditOne: $300 | Target REDCard: $300 | PayPal MC: $2k
Discover it Chrome AU: $2.1k | CreditOne AU: $650
Wells Auto: $18,500 | Capital One Auto: $15,300
Message 7 of 15
Regular Contributor

Re: Citi Costco Anywhere approval

Man that's awesome. Such a good feeling! Thanks again for the info.





img
Message 8 of 15
Valued Contributor

Re: Citi Costco Anywhere approval

you did it will ferrell GIF



Message 9 of 15
Frequent Contributor

Re: Citi Costco Anywhere approval

Congratulations!  Great SL!


Chase CSP $10,000 | AMEX Gold | CFU $17,900 | Citi Costco Visa $17,500 | Chase Disney Premier $4,000 | Cap1 QS Visa $11,000 | Cap1 QS WEMC $11,000 | AMEX BCE $24,000 | AMEX HH $1,500 | CU Rewards Visa $3,500 | PayPal 2% MC $10,000 |
Message 10 of 15
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.