Wow, Citi is pretty dumb.
So i recently did 3 trifectas for 3 people.
Person 1- 1 denied, 2 pending. Received letters asking for 4506-T on the pending. Called citi and cancelled apps as he doesnt have income. Then called back on the denied and had it resubmitted as it was denied due to recent apps...they had it resubmitted and it was approved
Person 2- 1 denied, 2 pending. Of the 2 pending, 1 was approved. The other is a business card and still pending.
Person 3- 1 denied, 2 pending. 1 of the pendings received a letter asking for 4506-T. Called citi and they said the process could take a month after sending it back so i cancelled the app. The other pending (business) was just approved
So they approved the business card without the IRS form but wouldnt do the personal one.
Everything is pure YMMV. The 1 denied one on all 3 accounts is because of recent request for credit, meaning it saw the other apps out there.