My wife and I recently applied for the 50,000 point Citi Thank You Premier card. My wife had no problem, but for the 2nd time in the past 2 years I've been declined by Citi. I also applied for the Citi AA promo back in August 2010, and was declined for the same reason: Credit obligations are too high for my stated income. Both times I've provided a copy of recent credit reports, proof of income, stated my history with Citi, etc. But they seem to not provide any more information on the denial even though I did my best to provide proof. Citi personal is the only department I cannot get accepted. For the past few years I've always maintained a 750+ FICO score, less than 10 inquiries at any given time, and credit debt at less than 2% (I always pay off immediately). For any other bank, I've never been denied: Barclays, Chase, Amex, etc. I was even able to get a Citi business with no problems. Does anyone else have the same problems with Citi personal cards? If so, how do you handle it? I'm about ready to give up entirely on Citi personal cards since they just seem to be wasting inquiries.