because of unable to verify address and phone. I asked if faxing in a phone bill might cover it duh and they agreed.Funny because I have a Penneys and american eagle account with monogram too. Maybe they don't share info with each other. Tommorow I'll find out about nextcard.I was denied but I sent a letter and an updated credit report to their reconsideration dept.A rep called me today and left a msg. so I'm expecting good news tommorow.