When you apply for a Shell Gas Credit Card/Mastercard from Citibank, You apply for the Mastercard, they do a hard credit check, then they do not give you the Mastercard, they instead give you the Shell
Gas Card used only at Shell Stations, and then they ruin your credit by refusing to report that they accepted you for credit. They also refuse to send you the required letter which states why they refused
the mastercard which is a violation of the fair credit reporting agency. To date now over 3 weeks they have not updated my Experian credit report and it made me go down to fair credit from good credit. This does not help you improve your credit score.