They will probably have you fill out and fax back the IRS form that allows them to see your personal tax information. As long as you fax back the IRS form you are likely to survive either whole or in part. The only closure might be if you have business cards but your tax information does not indicate any business exists. I've heard of business cards being closed for that reason. For the personal cards it seems like you just need to have some income on your tax return, not necessarily what you put on the application in order to keep the cards alive, though they may lower the limits on revolvers, or put a hard limit on charge cards.