I received a mail solicitation from Citibank to apply for the XXXX credit card. This card carries a XXXXannual fee. The wording of the solicitation indicated that I had already been pre-approved for this card. Since I already have XXXX credit cards with Citibank, I applied for this card online, using the reservation number given. 
I was declined for the credit card, with the reason given that " Your payments were low on one or more of your accounts with us, '' in addition to the standard " ... balances on your revolving accounts are too high in relation to those credit lines. " I can understand the second reason. I sent a letter, certified and return receipt requested, to Citibank requesting clarification on the XXXX reason. 
I received a second letter in response, only detailing the high balance reason. 
My issue is that I always make more than my minimum payment to Citibank each month on XXXX their cards. They did not provide information to advise on what criteria constitutes an 'acceptable ' payment level in order to qualify for the card that they sent me an invitation to apply for. 
There is obviously a secret criteria that is being used not based upon something known and objective, such as credit scoring, which is discriminating against a customer without them being able to remedy it. 
This is arbitrary and capricious, and should not be allowed. 
