I moved from Canada to the United States to take up a faculty position at Villanova University two months ago and have been trying to get a Visa card since then. The first time I applied for the Costco Visa card I got rejected because apparently I don't have any credit. Last time I checked I had a credit score of close to 800 according to Equifax, while I was in Canada. They took my Canadian social insurance number and personal information and yet they rejected my application. I have three different credit card from Canada, including a Costco MasterCard, which I can't even use to shop at Costco in the U.S. Also, whenever I use my Canadian credit cards to make purchases at other locations or online, I get charged with currency exchanged rates. I reached out to Citi Visa to try and resolve my issue but they are asking me for a utility bill for a proof of address, which I cannot provide since I'm leaving in an all inclusive rental. They will not accept a cell phone bill or a bank statement with my address. When I tried to talk to a Manager the receptionist got upset and said let me transfer you but instead hung up. I'm really tired of dealing with them and feel that its unjust and my rights are being denied. In an economic system where credit cards are essential in everyday life, being denied base on no legitimate justification should be against the law. I have excellent credit history and I'm a very responsible individual. I have a full-time job as a faculty member in the physics department at Villanova University. Please let me know what have I done wrong to be denied a credit card? Should living in an all-inclusive rental automatically disqualify you from having the right to obtain a credit card? I've been a royal customer with Costco for maybe a decade, purchasing everything from everyday groceries, car tires, bed, TV, car insurance, central unit furnace, etc., I have raved about Costco to my family and friends and convince so many people to become Costco members. I am so upset about this credit card situation that I'm seriously considering boycotting Citi bank and all companies associated with it, including Costco. If you can't help me to resolve the issue I will terminate my Costco membership forever.