🚀 go-pugleaf

You can start with the Consumer Credit Counseling Service @ 
1-800-388-2227.
Get a copy (free) from TRW to see if anything odd is in your file.

Indeed, these credit card bozos do strange things:  As a result of their 
"efficiency", each month I now direct CITIBANK to mail checks to Discvr, 
Visa, and MasterCrd via my PC.  None of these are connected with CITI and 
CITI is the largest card issuer in the galaxy!  (Q.E.D. they are 
servicing their competitors!)  I applied once and received not 1 but 2 
refusals - same form letter only weeks apart...  AND I AM THEIR CUSTOMER! 
 As a result, I don't want their card if they cannot perform their 
business any better than that!
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   "You see, George, you've really had a wonderful life.                 
    Don't you see what a mistake it would be to throw it away?"          
                                  Clarence Oddbody,  Angel, 2nd Class    
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