They were intially denying me also because of inquiries. I had an excellent credit score (over 780)....and had 20K on my Hyatt card that I was willing to move over to the Freedom card. I said I would be fine with 5K on my Hyatt etc since I pay things off every month anyway. The guy looked at my credit report and basically told me I had 19 inquiries for new credit in the last 2 years....and that is why he was denying me. I had received a lot of cards with Chase so I understood the reasoning. But I really needed the Freedom since I had just opened my Chase checking account and wanted to tie it all together! So that is why I asked for the supervisor....I said "pretty please let me give up Southwest or Hyatt if I have to!"....and I got stuck having to give up both....which was fine because they are transfer partners with Sapphire...