I have been trying for months to apply for the Citi Business AA card. It had a 70k bonus when meeting the spend requirement. I received a rejection letter reasoning that my credit was restricted. I called the application department and they said there was negative information on my prior business account. I called customer service to follow-up. Here’s what happened.
Two years ago I applied for the Citi Business AA card and was approved. I later found out that I was not eligible for the bonus. Instead of canceling the card, and risking having my eligibility resetting, I kept the card open but never used it. A year later the annual fee was due, but I did not receive an email or a paper invoice. Months after that I started receiving calls from Citi telling me to check my account. I kept logging into my personal account and saw nothing there. I called Citi and they confirmed I was current. It finally occurred to me that this could be the annual fee for my business account. I called Citi business who refunded my $95 and closed my account with no balance.
Despite this, my business account still shows negative information, and for some reason customer service and the credit department can’t straighten it out. The credit department keeps saying they can’t move forward until customer service sorts it out. Customer service says there’s nothing to sort out. Whenever I think I’m getting close to a resolution, I’m just transferred to another agent and the madness continues as I try to explain the story again.