I had three US Bank credit cards, 2 Flexperks and Cash+ with oldest card being 2009 as well as checking account when I applied the first day they accepted apps. FICO was just under 700 with 20+ inquiries and I was approved with a decent CL. US Bank is a quirky relationship bank. It's all about their internal scoring model. With the exception of the Chase 5/24 rule I think any decline on the basis of inquiries is just an excuse, not the true reason for a decline, IMHO