FlyerTalk Forums - View Single Post - Multiple CC Denials - Now what?
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Old May 19, 2011 | 6:12 pm
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Happy
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Originally Posted by travelgirlut

3. Citi AAdvantage Visa/Amex: I was instantly approved. He was sent a email saying they couldn't verify his contact info, and he had to send in bank statements, cell phones bills, and paystubs. Big pain. Later he was denied both since an address on one bill didn't match since we are temporarily at a different address than our permanent one due to job training.

.....

So he was denied for three cards: one Chase, two Citi. We're trying to fix the credit history problem by getting him his own Amex and making him a joint owner on the other account.

What we want to know is how does this affect future applications? How long does he have to wait on Chase and Citi before applying for other cards? Why would I be instantly approved for them all and he is getting denied when our credit is so similar? Is it worth calling again to try and reverse the denials? They were both pretty adamant about him not being able to get any of the three cards. I'm so frustrated by this. Please help!
You already identify the problem - each person must establish his/ her own credit history. Being an authorized user does not count (the loophole has been closed 2 years ago) because the primary user is 100% responsible for the debt, not the authorized user.

If your husband's denial of Citi cards is solely based on address discrepancy and the discrepancy is truly as you described, you should write a letter to Citi's Executive Office and ask for a review. The address has been mentioned multiple times in the AA 75K thread or you probably can google it.
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