Another not-great data point. I have a Citi business Mastercard active since about 1/1/14 (first charge was 1/4/14). Just applied for another (same business, same other data) and was turned down in 45 seconds by the auto-denier on the website. Are they getting smarter, or was there an obvious implicit proviso that I missed (such as, always use a different business when you apply)?