thanks cashnocredit!

now that... is the most reasonable explanation Ive heard... even if not from the horse's(Citi's) mouth.

And tbh, besides the recently opened accounts... many of my accounts are four to five years old. When I was 18.. I applied for everything.... again when I was 20... so I've just been trudging along with the goal of building my credit and partaking in app sprees every couple of years before I even knew what an "app spree" was haha! Except now... I get approved haha not denied like when I was 18.. well except Citi obviously.

haha

thanks again :-D