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nice,,, thank you for this post, i am new in america and have a checking and savings account with citibank,,, i wasted 1 month waiting just to know i was denied for a secured credit card because my bank relationship manager did not know that i will be denied if no ssn or tin and still submiited the application with my passport number, come after a week my tin number arrived from irs so we applied again, waiting for 7 days now , called them and the lady told me its denied , i asked the reason why and she said she cant disclose the reason, and just hang up... (unprofessional) call again today but the machine tells the application is pending... is that really mean its denied? if they deny it is it worth to recon? if not then i will pull out my money there and deposit with my BOA WHO TRUSTED ME WITHOUT SSN OR TIN , they gave me checking and secured card with 1500$ limit.