I recently applied for the AA Biz card. Citi rejected me. I called the reconsideration line and was told it was something in my credit report (they wouldn't say what). The lady did say I would have been approved but for that. She wouldn't elaborate and said I needed to wait for the letter explaining the rejection. I received an email this morning with the explanation which was "derogatory payment history" reported by Experian naturally this created a WTF moment since I do not have have any history of late payments. To double check I pulled all 3 of my credit reports and there is no negative items on any of the reports, no delinquent accounts, late payments, etc... I'm really wondering what the heck citi is talking about. Has anyone had a similar experience? I would call citi back but their reconsideration line is worthless. I will probably write a letter which means they will pull my credit again and I hate having two pulls for one card but I want those 50k AA miles. Thoughts? suggestions?