Applied for both the 75K Visa and Amex, using two browsers and applying at the same time for each. Did not get immediate approval or rejection, but today received an e-mail denying me for both because of "too many credit inquiries." I got a BA card in May and an AMEX premier rewards in June; other than that, the only thing they might have is for a car loan back in February. Credit is fine, $0 balance on all cards, and I only have one very old Citi card -- no balance, but I keep it open because it's 15 years old. Is there anything I can do? Or do I have to hold off on all credit card applications until everything ages off my credit report? How is churning possible if two inquiries is too many?