Originally Posted by
sdsearch
The AMEX "financial review" and Citi "tax return" are pretty much the same thing (IRS form 4506-T) except for the timing: In the Citi case, they hold up your application for a few weeks to a couple months if they need that, but your other accounts (if you have other accounts at Citi) are untouched during that time. At AMEX, it can happen after you've opened an account and are in the middle of using it.
However: In either case, this has nothing to do with whether it's a personal or business card! If you have this concern for business cards, you should have exactly the same concern for personal cards!
Ditto.
More than the issuing bank, having your ducks in a row will determine your ease of application. If you have bad credit (particularly bad payment history or tons of recent account openings) and you're stuttering about what it is you do and how much revenue you have or will have on the reconsideration call, the bank doesn't matter.