Citi Costco Anywhere with Wife's Membership?

Cashbackjunky · ‎12-10-2021

Hey all,

This may get a little convoluted but I'll try to explain it thoroughly...

I currently have a Citi DC but want to PC that to the Citi Costco Anywhere card - I've already found that I should be able to PC the DC to the Costco card (still need to call and confirm with the CSR).

The problem? I use my wife's Costco membership... Normally that wouldn't be a problem as I could request my own Costco card, attached to the "main" Costco membership (as I understand it).

The problem again? My wife isn't the main owner of the Costco membership. Her aunt is the owner of the membership and she's given my wife a Costco card that she and I use.

The question is, can I use my wife's membership, even though her name is on it? If so, would I have to add her as an AU prior to PC'ing to the Costco?

I am planning on calling Citi when I'm heading home from work (in about 4 hours) but thought I'd check the well of knowledge on this site.

Has anyone been in this very unique scenario?

Thanks in advance for all the help. Cheers!

850

INQ:
1

850

INQ:
5

837

INQ:
7

TCL: $646.75k CCs:27 AAoA: 6yr 11mo Util: ~1% Derog: 0

Mortgage: $206.4k Car Loan 1: $17.2k Car Loan 2: $19.1k

chiefone4u · ‎12-10-2021

@Cashbackjunky wrote:
Hey all,

This may get a little convoluted but I'll try to explain it thoroughly...

I currently have a Citi DC but want to PC that to the Citi Costco Anywhere card - I've already found that I should be able to PC the DC to the Costco card (still need to call and confirm with the CSR).

The problem? I use my wife's Costco membership... Normally that wouldn't be a problem as I could request my own Costco card, attached to the "main" Costco membership (as I understand it).

The problem again? My wife isn't the main owner of the Costco membership. Her aunt is the owner of the membership and she's given my wife a Costco card that she and I use.

The question is, can I use my wife's membership, even though her name is on it? If so, would I have to add her as an AU prior to PC'ing to the Costco?

I am planning on calling Citi when I'm heading home from work (in about 4 hours) but thought I'd check the well of knowledge on this site.

Has anyone been in this very unique scenario?

Thanks in advance for all the help. Cheers!

I don't believe you'll be able to use her number to get the citi Costco visa... when I applied for mine (new credit application, already a Costco member), I was required to enter my Costco membership number... when I added my wife during the same application, it required her unique Costco membership number.

From my understanding, all authorized users must have their own membership (even if all attached to a main membership account) to receive the credit card. I'd venture to say it has to do with the fact you Citi card becomes your membership card (including your picture).

Goodwill Saturation Technique
Starting Score: EQ:608, EX:617, TU:625
Current Score 3/11/2020: EQ:695, EX:703, TU:720
Goal Score: 740+
Take the myFICO Fitness Challenge

Member of the Synchrony Bank giveth then Taketh away April 2020 Club! $86,900 in available credit gone without warning.
Newest Account July 8, 2020 -- Last HP October 24, 2020 -- Gardening Goal: August 2022 and reach 0/24

Cashbackjunky · ‎12-10-2021

@chiefone4u wrote:
@Cashbackjunky wrote:
Hey all,

This may get a little convoluted but I'll try to explain it thoroughly...

I currently have a Citi DC but want to PC that to the Citi Costco Anywhere card - I've already found that I should be able to PC the DC to the Costco card (still need to call and confirm with the CSR).

The problem? I use my wife's Costco membership... Normally that wouldn't be a problem as I could request my own Costco card, attached to the "main" Costco membership (as I understand it).

The problem again? My wife isn't the main owner of the Costco membership. Her aunt is the owner of the membership and she's given my wife a Costco card that she and I use.

The question is, can I use my wife's membership, even though her name is on it? If so, would I have to add her as an AU prior to PC'ing to the Costco?

I am planning on calling Citi when I'm heading home from work (in about 4 hours) but thought I'd check the well of knowledge on this site.

Has anyone been in this very unique scenario?

Thanks in advance for all the help. Cheers!
I don't believe you'll be able to use her number to get the citi Costco visa... when I applied for mine (new credit application, already a Costco member), I was required to enter my Costco membership number... when I added my wife during the same application, it required her unique Costco membership number.

From my understanding, all authorized users must have their own membership (even if all attached to a main membership account) to receive the credit card. I'd venture to say it has to do with the fact you Citi card becomes your membership card (including your picture).

Thanks for the insight. Yeah, it sounds like it won't work.

Oh well, I really just wanted it for the 4% gas but it's not worth the extra 1% (over my BofA) if I have to get my own membership.

Cheers!

850

INQ:
1

850

INQ:
5

837

INQ:
7

TCL: $646.75k CCs:27 AAoA: 6yr 11mo Util: ~1% Derog: 0

Mortgage: $206.4k Car Loan 1: $17.2k Car Loan 2: $19.1k

ChargedUp · ‎12-10-2021

@Cashbackjunky wrote:
@chiefone4u wrote:
@Cashbackjunky wrote:
Hey all,

This may get a little convoluted but I'll try to explain it thoroughly...

I currently have a Citi DC but want to PC that to the Citi Costco Anywhere card - I've already found that I should be able to PC the DC to the Costco card (still need to call and confirm with the CSR).

The problem? I use my wife's Costco membership... Normally that wouldn't be a problem as I could request my own Costco card, attached to the "main" Costco membership (as I understand it).

The problem again? My wife isn't the main owner of the Costco membership. Her aunt is the owner of the membership and she's given my wife a Costco card that she and I use.

The question is, can I use my wife's membership, even though her name is on it? If so, would I have to add her as an AU prior to PC'ing to the Costco?

I am planning on calling Citi when I'm heading home from work (in about 4 hours) but thought I'd check the well of knowledge on this site.

Has anyone been in this very unique scenario?

Thanks in advance for all the help. Cheers!
I don't believe you'll be able to use her number to get the citi Costco visa... when I applied for mine (new credit application, already a Costco member), I was required to enter my Costco membership number... when I added my wife during the same application, it required her unique Costco membership number.

From my understanding, all authorized users must have their own membership (even if all attached to a main membership account) to receive the credit card. I'd venture to say it has to do with the fact you Citi card becomes your membership card (including your picture).
Thanks for the insight. Yeah, it sounds like it won't work.

Oh well, I really just wanted it for the 4% gas but it's not worth the extra 1% (over my BofA) if I have to get my own membership.

Cheers!

Abound CU - 5% on gas.

https://www.aboundcu.com/Spend-Save/Personal-Accounts/Credit-Cards

staticvoidmain · ‎12-11-2021

So... you don't really have a membership, right? You need a membership in your name to have the Costco card. It doesn't matter if your membership is a household membership or even a Costco employee-given membership‡. As long as you have a membership yourself, you're good to go. You can even change your membership ID attached to the same Costco Visa card.

Your Costco Visa card will serve as your membership card. It will have YOUR membership ID and picture at the back of the card (the photo will be a colored version).

‡(If her aunt is an employee, ask her if she can add another one with your name on it. That is assuming your wife's membership is not a household membership).