I just got approved for the Citi DC. If your application is “pending”, that’s not an outright denial, there is still hope! I did some research and found the application status and reconsideration line at 800-695-5171. I talked to a very polite gal who had me verify some information and wait for a total of maybe 3 minutes to come back with approval for $8k. Not my usual $20k approvals but this one wont be carrying a balance so I’m good with it. So far, positive experience Looking forward to it! Will update!