Hello, I'm new to these forums and want to know if someone can answer a question for me.
Long story short, I am working on rebuilding my credit. Back in January I started receiving the Citbank AAdvantage pre-qualified offers in the mail. I kept throwing them in the trash as I didn't think I would get approved, those stopped coming in and I started getting the Double Cash pre-qualified offers about twice a week. I finally applied and was instantly approved for $1200 CL.
Last week I applied for the Advantage card and I got the wait 7-10 day message. On Monday I got a letter from them saying they needed me to fill out a 4506-T form to verify my income. I have no problem sending that form to them because what I put down on the app is actually less than what I made last year because I have a part time job and I don't include it when applying for credit. Today, I'm going to the PO to mail it and I stop at the mail box and I get another letter from them telling me my app has been declined for "insufficient credit experience". So, I call to ask them am I wasting my time sending the form in to them since that letter I received says I've been declined and the CSR tells me that my app is still pending and didn't know why I received that letter.
My question is did the CSR not tell me the truth and the app has really been declined or should I go ahead and mail the form to them. Thanks in advance!!
