I recently was approved for the citi AA card. I took Saar's advice and applied for a second and recieved the dreaded processing message. I called last night and was told I was declined for not having any banking accounts. I said I have all of those. So the rep had the application placed for reconsideration. I called today to find out that they were unable to verify my employment. My school is just being finished and phone lines were only activated today. Funny thing about this is they verified my employment for the first card, but wanted me to fax my phone bill. So now I have to wait until tomorrow to have a rep call my school to verify employment. Oh well, two citi cards baby!!!!!!!!!!!!! That puts me at 3 cards with 3K limits. For a person who could not even get a Target, an unsecured 1st premier, or unsecured Orchard bank card this time last year, this is a good sign. Mike G. ps just in case you didnt read, my score went up 29 points today when Cap updated my balance to 0.