Help with credit cards

noct
Fri, 31 Aug 2007 01:21:12 +0000

This sounds strange to me. You might try to call Citi and talk to a representative–I’ll warn you that this is a pain though.

Are you listed as an authorized user on one of your parents credit cards? If you are and the credit utilization is greater than 10k, Citi will deny you outright, but I don’t think it will throw that message at you.

If my memory serves me right–I was denied too–they should send you a letter in the mail with more details/a URL where you can look at your credit report and a statement saying that if you find an error you have 30 days to contact them for reconsideration.

Call them and good luck.

P.S.
If it doesn’t seem like it will pan out, you might try the Amex Blue Student instead…