Originally Posted by Ed Janowsky

I also received this message and made it to step 5 of the application process. So I called in. They're wanting the dreaded 4506-T form authorizing the release of my transcript of last years return.

It's actually my SO's application where I added my income as a source of repayment, so the income on her transcript is not going to match the amount stated on the app. Plus it will require a second hard inquiry and several weeks for a decision. I don't want them to start asking for my 4506-T as well so that neither of us can get a Citi card because of some perceived issue even though I have honestly stated our actual income.

I'm thinking I'll skip this and retry for her eight days later, but this time I'll include an employer on the app like all the successful times before this most recent app. Unfortunately it was late and I put self-employed/hospitality on the app which I suspect generated the 4506-T. That was really the only difference other than my first try at the Brugge method of lowering three of her credit limits a couple weeks ago in hopes of auto-approval. She does like first class, but doesn't like calling in.

Any thoughts on my situation???

Originally Posted by flyerboi69

I don't think the application for this card asks you for your source of income. I don't see it... Are you sure about that?