It's important to highlight other positives: Recent good payment history length of time at job income length of time at residence
well they respond when im angry about my rates or something. the president's office calls me and offers me many goodies. So yeah they do read it. However you probably want to know its SLOW reaction time. You need to get to talk to a person that can make a choice before the time slot (30 days?) is up or you'll be applying again.
I used pfb for 2 different Citi cards and they responded to both within 2 weeks of me sending the letter. Do as one of the other posters suggested, and that is, point out other positives. Also, if you can counter what the reason/reasons for denial were that will help also. paw67
