I walked into the Citibank branch on XXXX XXXX XXXX in XXXX to update the security level of my card before traveling. I was told that my type of credit card does not qualify for extra security protection with a Microchip on my card, like all other banking institutions. so, the associate offered me an " upgraded option to my current credit card, which DOES have that security, along with mileage rewards etc. 
I agreed to have the new upgrade with the additional benefits. After almost an hour at the bank waiting, the application for a NEW card was processed, and I was given a denial of the credit application for a NEW credit card, which I never asked for, nor wanted. Now this report will have a negative impact on my credit report and score. 
