Just thought I would share my initial experience with Citi. I was decline for the AAdvantage WEMC and the letter stated "Insufficient Credit History" and "Too many recent inquiries." I applied after apping for Discover It, Amex Everday and the Chase Freedom. Otherwise, I had no INQs. They pulled Experian and my MyFico EX report shows 15 years of history. So, I figured I would call.
I spoke to a very nice woman who took my info and offered to have my application "manually evaluated." So, I said sure. It could take 7-9 days to hear back. So far, aside from the denial, I have had a good experience.
I'll update when I hear back.
