I applied for a Home Depot XXXX XXXX XXXX and was declined due to a Bankruptcy from XXXX. 
I spoke to several credit analysts at Citi, XXXX of which was a senior credit analyst who recommended that the application be approved. I was promised a call back with in 72 hours, of which I never received. It took me over 1 hour to get in though with someone from there credit department who was able to take a look at my application ( of which they spend XXXX seconds in and then to a manager who spent less that XXXX minute in ). I have other cards with Citi that I have now had for over 4 years that have XXXX lines. I have nearly XXXX in available credit. The manager said that my overall utilization was to high. According to my credit reports I am using less that 25 % of my available credit which is considered to be low utilization. 

I do not believe I was treated fairly. I believe the analysts seen that I had a BK and was simply done reviewing the application and giving it proper consideration. 
