About the money back policy - it's apparently a lie, the time period is not at any time. I tried to get a refund on my unused membership with still like 2 months left and they refused despite me still being within the membership period. I argued and all they would offer to do is discount a membership renewal or add an extra week. I had moved shortly after purchasing the membership and didn't use it because I no longer lived anywhere near a Costco.

I potentially could've fought them but at that moment and all moments since I decided I didn't want to spend one penny more in the store, and I had previously spent quite a bit.