TL;DR — Don't make a typo, and don't expect them to help you figure out what the real problem is if you didn't make a typo. I was declined because they were "Unable to verify credit references as provided." When trying to find out specifically what that meant and what I could do about it, they were exceedingly unhelpful. It took a week of me calling Citizens One and pestering them to get any information. The first time I explained the situation and what the notice meant. Each time it was "It'll take 48 hours for our research team to get back to you," "It'll take 72 hours," "It takes 5 business days," "You have to wait for them to call you back--oh wait there's new information for you." To be clear, they never once called me when I was told they would, and ultimately the research team came back with was "We were unable to verify your credit references as provided." So I had to hassle them for a week for them to tell me what I already know. They said I must have made a typo (I didn't), and to call Equifax and verify my information (now two companies removed from Apple). Once I verify the information, try applying in 30 days. Because apparently you can only apply once every 30 days. Even if you made a typo. Every time I talked to Citizens One they were rude, impatient, and unhelpful. Very un-Apple. And so while I stayed up preorder night to be one of the first to try to get a phone, instead I've had to wait 7 days to be told to wait 30 days and still haven't been told how to fix the actual problem. At this rate I'll be excited if I get a phone before 2017.