declined application for CITI credit card XX/XX/2015..Application ID XXXX. I only recv XXXX. I Only use 3 % of available credit. I have credit score XXXX. I have 100 % on-time pymts. I 've had high bal of & gt ; XXXX $ with a current XXXX balance on a few accts. Cons ; ONLY XXXX YR XXXX. XXXX THAN 2YRS rebuilding credit since Divorce. Please Help me. 
