Citi Card Citi Bank Turned down three times for credit card with score of 731 citi sent the pre offers to me saying join us Internet

You are getting "Pre-Screened" letters.   This is where they get a list of names from the Credit Reporting Agencies based on VERY broad criteria.   They do not see your actual credit report until you apply for the card.

The Credit Reporting Agencies did a great sell job on Credit Scores, because most people appear conivinced that a good credit score is all you need.  While it is an very important factor it is not the only one. 

Now, one thing that is NOT in your Credit Report or Score is your income.  There are specific debt-to-income ratios that creditors set for their cards, where just like Credit Scores they are not going to tell you.  So you may not make enough for them to be considered, but they won't know that until you actually apply.

Oh and as for your income.  If you make a little over 45K a year that is about $3750/month.  With $1200 going out, depending on what that is made up of your Debt-to-Income ratio could be a little over 30% which for many creditors is considered excessive.

When you apply for credit by law they are required to inform you in writing the information they used to decline you.  This will include the Credit Reporting Agency as well as what generally turns out to be very generic reasons.  If the reasons were because of something on your Credit Report that was inaccruate you have the right to dispute it.  If it was valid reasons(even if you don't agree) you would need to work on those to try and get approved again.