I applied for a second card with citi. I was told that it would be approved after employment verification. When I call the next day, I was told I was declined due to high credit balances. I explained to her that my balance was zero. She then got an attitude and made up some over stories and asked if I would call back. I call back the next day and was told I was declined because of my 2 former cards with citi that were charged off. The rep specifically told me all people who have been charged off are automatically declined. So I asked how is it I was approved for the first card. She became quiet and said she does not see any approval for a card. So I am calling tomorrow and asking to speak directly with a supervisor. Mike G.