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!
