I called Citibank as you suggested. For one thing the CSR was so rude it was beyond belief. She told me that Citibank never approves credit card applications online instantly. I explained to her that this is funny, other people have been approved online instantly for credit cards. Anyway, by the rudeness of the CSR, and the fact that she was unable to help me, I'm not too sure I want a Citibank card to start with. I was surprised by the rudeness to a potential customer.