r/CRedit • • 6h ago

General Excited about adding this.

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Ive been rebuilding my credit for the last 5 years or so. Finally had a charged off card from 2019 fall off my account a few months ago and shot my credit up 100+ points. I dont spend a TON at costco but both of my CapOne cards are MasterCard (which isnt accepted at Costco) so i had to use my debit card which i hated. This is also my highest limit but will primarily be used as a gas card (5% at costco, 4% other gas stations) and my Costco shopping card (2% on top of my 2% for being an executive member). Idk why but I’m just really happy about this haha

28 Upvotes

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u/Spiritually-Fit 6h ago

Congratulations πŸ‘πŸ½πŸ‘πŸ½πŸ‘πŸ½πŸ‘πŸ½πŸ‘πŸ½

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u/FlamingoResident7882 6h ago

It’s a nice feeling when you start getting legitimate credit companies card offers.

I’m currently rebuilding as well, and was offered this card. I don’t have a Costco close by so I feel like if I hang in there better offers that suit me will come.

A sign of getting older cause 22 year old me would be like β€œnice! A new card!” And I’d be right where I am today. Really should be a high school class on how to navigate credit as an adult, but of course that would go against the system.

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u/Fun-Measurement-9520 6h ago

My score is 777, got pre-approved and then they declined my application 🫠

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u/diazmark0899 6h ago

i was scared the same would happen but i got approved right away. only thing is i cant spend it on anything but Costco.com until my physical card arrives

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u/KerFuL-tC 6h ago

Congratulations, man. I'm thinking about getting this card too. What was your score if you don't mind me asking? πŸ˜… I'm scared of not being approved as well.

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u/Frosty_Enthusiasm642 6h ago

Wow congratulations

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u/SparkleCobraDude 5h ago

Congratulations

I have this card and while it’s great I’m none too pleased they lowered my limit twice. The first time they restored it but not this time. It really screwed up my utilization.