Applied for the Citi Premier 60k online offer and was denied. color me surprised - have a score of above 780 and haven't applied for a card in over 18 months. When I received the letter of denial, it stated "The credit privileges on your existing accounts are currently restricted". I've had the Citi Prestige for over 3 years and it is in active use, so this clearly made no sense.

Called the recon line. The associate who picked up was clearly clueless - he kept saying you need to contact Equifax. Not once, but over 5 times - and that there is nothing they could do. I finally asked if I could talk to a supervisor, and they were able to do a manual review. Approved.

When I asked what the denial reason meant, I was told that if you had a previous account closed etc, the system doesn't behave as required and issues a denial.