Just wanted to add that if you get denied for too many inquires, always write a reconsideration letter. I'm 2 for 2 in getting approved after being denied online or the phone but writing in within 30 days. Both times they called me one or two weeks after I sent the letter and actually asked meaningful questions about my inquiry history. Unlike their phone agents, whoever I spoke to had some power to make a decision. Both times approved, although for very small credit limits ^