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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!
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Re: Citi Costco Anywhere approval
Fidelity Visa: 21.5k
Amex Cash Magnet: 20k
Apple Card: 9k
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Re: Citi Costco Anywhere approval
@Anonymous 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.
|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K

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Re: Citi Costco Anywhere approval
Congrats! That's a terrific card. Good job getting on track, full steam ahead!

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Re: Citi Costco Anywhere approval

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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.

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Re: Citi Costco Anywhere approval
Congratulations! Great SL!











