XXXX contacted me via email. I contacted the number on the email. I asked the representative what were the minimum criteria to qualify for the offer. She explained she did n't know and forwarded me to a credit analyst at Citibank. She also gave me the direct line in case the call were dropped. I asked the credit analyst representative what were the minimum requirements to qualify for the credit card. I also gave him my XXXX credit scores. He stated there were various factors and that there were no minimum requirements to qualify. 

I decided to apply for the credit card based on the information the credit analyst provided. Specifically, that there were no minimum requirements. I applied for the card using the link provided in the email. I was declined immediately. Upon calling XXXX XXXX back and being connected to Citibanks information line. I learned that I was declined based on a bankruptcy I had XXXX years ago. I would not have applied had the credit analyst given me this information before I applied. I requested " minimum requirements " Now, I have a " hard pull '' on my credit report reflecting the denial. This damages my credit! 

Deceptive practices. 


I have worked very hard to get my credit rating back to good standing. Only to be deceived by companies such as Citibank and XXXX. I am requesting to be made whole.with further facts to be presented. 
