I just got this back from Citibank. I haven't had the Citi Amex in over 2 years, but have a MC from them. Can I call anyone and beg once they've done an inquiry already? Do I ask them to give me another offer (below says this specific offer) without going through whole application process? Or was this one nechtam lemisah
?
Dear xxxxxx:
Why we're writing you
Thank you for applying for the Citi Select(R) / AAdvantage(R)
American Express(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)
so that we can reevaluate your application. Be sure to
include the reference number listed above. Do not provide
this information by replying to this email, as we cannot
process individual messages arriving at this address.
If your financial situation changes and you would like
to reapply for an account, visit us at
www.citicards.com.
We appreciate your interest and hope to have the opportunity
to fulfill your request in the future.
Sincerely,
R. M. Pick
Credit Operations Department