Don't take it personally Rick, I take your advice as just another datapoint (I suppose my opinion of expertise is all relative to the bar set by those I considered experts back in the days of the BT offers). You seemed surprised when Capital One pulled all 3 bureaus. That's been established for a very long time. You have a good blog and one of the reasons I got back into the CC signup game to accumulate miles after the 0% balance transfer game dried up. FWIW, I don't consider myself an expert either.

BTW, in regards to Citi, the rule of thumb back in the day was 2 apps every 60 days. To be safe, I would advise the OP to wait at least 60 days for the business app.