把申请表寄给他们，nothing to hurt。

一个月太短了，不过看看下面的tips可以帮助提高信用记录。

Tips for Improving Your Score

• Monitor your credit report and dispute errors. Errors in your report will usually translate into a low score.
• Pay your bills on time even if it means you can only pay the minimum amount due.
• Low balances are a positive factor in scoring models. Don't use all your available credit.
• New credit applications can detract from your score. Even an application for a department store card can lower your score. Multiple applications can have a devastating effect on your score, especially around the time you are shopping for major purchases like a car loan or mortgage.
• Old accounts (even those you haven't used for a long time) can help your score. Scoring models look at not just how to use credit today but also how long you have used credit.
• Consolidating balances or moving debt around may make for one easy payment, but this can have an adverse effect on your score. Shuffling of balances could be especially harmful to your score if you close established accounts and open new accounts to consolidate your debt.
• Ask your lender what scoring model it uses. With new scoring models like the credit bureaus' VantageScore, it is easy to get confused. A number score alone will not tell you where you stand.
• Know the going interest rates. Current rates for mortgages, car loans, and other consumer credit are published in daily newspapers or can be found online at such sites as www.bankrate.com. If you have a good credit score but are not offered a good interest rate, ask questions, negotiate, or shop elsewhere.

[此贴子已经被作者于2006-9-17 12:09:24编辑过]

哎……我反复说过多少次了，拿了邀请信，不表示他们就会给你approval，lz的情况最好不要再申请一次，拿着他们的拒信，先到网上要一份transunion信用报告，仔细查漏补缺，建议再交钱买一份分数，如果低于700就比较难办，当然也不是绝对的，我rm刚拿到ssn开始工作就申请dividend，citi要了好多额外材料，老板证明信阿什么的，最后还是给了，但我觉得这个例子很不典型，大多数人不够700都是碰钉子的！看了信用记录之后，给citi打电话，说明你拿到了邀请，如果说lz的信用不够，向他们说明你刚有信用卡不久，从来没有拖欠，请他们重新考虑。这样也不要抱太大希望，citi是宁肯错杀1000，也不放过1个的type。如果有他家一张信用卡，会有很大帮助！

祝lz好运！

[此贴子已经被作者于2006-9-17 12:31:52编辑过]

谢谢楼上的ggjj。

我一向还是很“遵纪守法”的，呵呵，从来没有什么不良记录，可能是在申请这张之前两天申请了一张macy's的，大意了。

他家的信用卡我有一张，是diamond preferred rewards，不过只用了半年多。我还是citigold帐户，checking啊，saving啊，cd啊，全都有。唉，主要是因为急着买机票，被拒了太气短。

还是谢谢了：）