As I applied for Citibank credit card in the month of January 2009, I understand that approval of credit card application at the sole discretion of Citibank, when I checked the status of my application it got declined and the reason for decline was told to me by the representative of Citibank that I have not made payment for my previous Citibank credit card. To my knowledge Citibank never ever given me loan or issued me credit card before, I requested to provide me valid reason for the denial of my credit card application but I did not get any... read full review »