I have been doing more and more cc churning the last year or two because of the great deals though I am very careful about paying off all my bills, etc.

Well today I was declined for a card because of too many apps---checked my experian credit report and I have done 12 apps this year and 22 in the last two. My credit score is still better than 780.

A few questions:

1) How long do I sit on the sidelines from cc apps?

2) Will this (and for how long) also prevent me from getting a car loan, etc.

Any advice/guidance would be very much appreciated.