I noticed several folks tend to apply for up to 3-4 cards, 4x a year.This can add up to ~32 credit inquiries in the two-year span when they are on the credit report. Yes, I understand that not all credit card companies hit the same credit bureau. However, at least for me, the big hitters (Citi, Chase) both hit the same one (Experian). Do people that churn this hard pretty much always have to call the reconsideration line to explain the number of inquiries? I am asking because I feel I'm hitting that saturation point. I've been collecting miles via cards for ~4 years on and off. I only tend to do 3 churns a year, at 3 cards a time. I took most of 2012 off to let some inquiries drop off. But I noticed at the heaviest points I always had to call to explain the "recent activity". I've been pretty successful with my explanations except for a Barclay denial recently and it got me thinking if I'm hitting a limit now.