I was just denied my first credit card app. I applied for the Citi Thank You card. They pulled from Experian. I have a 750 credit score on Experian. The basis for the denial was too many inquires. On Experian I have 4 credit inquires 2 from Bank of America and 2 from refinancing my home in the summer. I was surprised they consider 4 credit inquires too many. I have not tried calling the reconsideration line because I understand they are not very helpful. The Million Mile Secrets blog says the best bet with Citi is to write them. Should I call, write, or both?