What's all this no more churning talk? The 18 month "rule" was never a definitive thing. Some people could reapply after 12 months, even 6 months. Others could not get back in for 24 months or even more. But for most, the 18 months holds true.

It has been 17 months since my last app for the personal cards and 8 months since I got the business. I am applying for a round of cards today and will include the Citi Biz in my apps. Will report back the results.