My denial re-cap
As always, YMMV, but here is a summary of my denial for those on the fence.
Received personal CitiAA Amex and CitiAA biz cards earlier this year. First time ever with CitiAA cards. Both still active, but hardly used.
Applied 2 days ago and did not use the "shortcut for existing customers" but instead started the application from scratch. At step 3 got the "one week" message.
Called yesterday to learn I had been denied. Received this email today:
Why we're writing you
Thank you for applying for the Citi(R) Platinum Select(R) /
AAdvantage(R) Visa Signature(R) account. Unfortunately, we are
unable to approve your request for the account at this time
because of the following:
o This specific offer is valid only for first-time Citi(R)
/ AAdvantage(R) cardmembers.? Our records indicate that
you already have a Citi(R) / AAdvantage(R) account with us.
Here's what you should know
Our credit decision was based, in whole or in part, on
information obtained in a report from the following consumer
reporting agency:
Experian
P.O. Box 2002
Allen, TX 75013-0036
1-888-EXPERIAN (1-888-397-3742)