How easy is it to get a Costco Citi Visa card?

[AndrewF]

I burned Citi to the tune of like almost $7,000 during my bankruptcy 6 years ago.

I've been working on my credit rating, haven't had any other negatives since the bankruptcy in May 2020, and have used and paid in full and on time on all the credit cards I've opened since the bankruptcy discharged.

I managed to get my TU FICO 8 back up to 715, but my EQ is 698 right now and my EX is 685.

I know Citi has a "Nope." policy on all their non co-brand cards if you've ever burned them, but I've heard people say that they eventually got the Costco or Best Buy cards, or some other ones that are co-branded. So it appears that Citi has relaxed approval requirements for those.

Does anyone have experience with Citi for co-branded cards after a history with them like this? I don't want to do a hard pull and get declined.

What bureau do they tend to pull? Thinking if I should wait a few months until my EX is cleaner. They just told me no again on Early Exclusion for four discharged credit cards that TU deleted last month on April 1st.

[CreditCuriosity]

Costco is core card not cobranded card.  I don't know how citi will see your burning them others are more qualified to answer that question as never had such experience with Citi core vs retail. retail is Best Buy, Macys etc not Costco as that is core 

[sccredit]

Just my personal experience. 7 years post discharge I was denied for the personal card. 8 years post discharge I was approved for the business card with a $25k limit. YMMV.

[ptatohed]

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@AndrewF wrote:

I burned Citi to the tune of like almost $7,000 during my bankruptcy 6 years ago.

I've been working on my credit rating, haven't had any other negatives since the bankruptcy in May 2020, and have used and paid in full and on time on all the credit cards I've opened since the bankruptcy discharged.

I managed to get my TU FICO 8 back up to 715, but my EQ is 698 right now and my EX is 685.

I know Citi has a "Nope." policy on all their non co-brand cards if you've ever burned them, but I've heard people say that they eventually got the Costco or Best Buy cards, or some other ones that are co-branded. So it appears that Citi has relaxed approval requirements for those.

Does anyone have experience with Citi for co-branded cards after a history with them like this? I don't want to do a hard pull and get declined.

What bureau do they tend to pull? Thinking if I should wait a few months until my EX is cleaner. They just told me no again on Early Exclusion for four discharged credit cards that TU deleted last month on April 1st.

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AF, would the prequal tool help you?

https://online.citi.com/US/ag/cards/pre-qualify

Edit to answer your other question:

Citi Credit Reports Data

State Credit bureaus used

Alabama	Experian
Arkansas	Experian
Arizona	Equifax, Experian*, and TransUnion
California	Equifax, Experian*, and TransUnion
Colorado	Experian
Connecticut	Equifax* and Experian
Delaware	Equifax
Florida	Equifax and Experian*
Georgia	Equifax* and TransUnion
Hawaii	Equifax
Illinois	Equifax*, Experian, and TransUnion
Indiana	Experian
Iowa	Experian
Kansas	Equifax
Kentucky	Equifax* and Experian
Maryland	Equifax, Experian*, and TransUnion
Michigan	Equifax* and Experian
Minnesota	Equifax
Nevada	Equifax and Experian*
New Hampshire	Equifax and TransUnion
New Jersey	Equifax and Experian*
New Mexico	Experian
New York	Equifax, Experian*, and TransUnion
North Carolina	Equifax* and Experian
Ohio	Equifax and TransUnion
Oklahoma	Experian
Oregon	Equifax and Experian
Pennsylvania	Equifax, Experian*, and TransUnion
South Dakota	TransUnion
Tennessee	Equifax* and TransUnion
Texas	Experian* and TransUnion
Utah	TransUnion
Virginia	Equifax and Experian*
Washington	Equifax, Experian, and TransUnion
West Virginia	Equifax
Wisconsin	Experian

[jj10939]

I got mine 4 years post BK and I burned them. IIRC, I believe the pre-qual didn't show any offers but I applied and was approved. I say go for it! It's only an inquiry and then you will know for sure. 

The Costco is a core card but seems to be slightly easier to get than the others. The others were a no-go for me until exactly 7 years post discharge. 

Good luck if you go for it. Let us know

[AndrewF]

South Dakota is an easy state to get residency in.

Maybe I should move there for a night at a hotel and have Citi pull TransUnion.

Register the car there too and get rid of this emissions crap.

🤣

[AndrewF]

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@jj10939 wrote:

I got mine 4 years post BK and I burned them. IIRC, I believe the pre-qual didn't show any offers but I applied and was approved. I say go for it! It's only an inquiry and then you will know for sure. 

The Costco is a core card but seems to be slightly easier to get than the others. The others were a no-go for me until exactly 7 years post discharge. 

Good luck if you go for it. Let us know

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I got nothing when I checked pre-qualified offers.

But I guess I could try for it. Hard pulls aren't the end of the world but they are an oh darn it when you get declined.

[CreditCuriosity]

I have 830-845 credit scores and never have had a prequal from CITI.   With that said I have also never been turned down for a CITI card either on blind applying.  Granted our situations are different, but citis prequal at least for me is garbage.  Currently have 5 citi cards between personal and business. So as others stated you only really know if you try and will cost you likely a hp or two worse case scneario obviously your chances get better as the burn goes longer and longer between their loss.

[redpat]

@AndrewF 

No guts, no glory....

[ptatohed]

Too funny.

Just for fun, I did the pre-qual for S's and G's and the one and only one card that came up was the Costco card!