As I posted several weeks ago, my husband had applied for the Citibank Silver card, he received the denial letter and then they very next day received his card, we were puzzled of course but glad to get the account. But I seemed to remember that he may have hit the submit button twice but wasn't quite sure. Well I went ahead and applied for the gold card for him, he received a letter stating that he had already applied twice in sixty days and that they couldn't process this application. So there you have it, we did submit twice thus the second time was what the denial letter was for. I just wanted to let everyone know exactly what happen Mom