Stop focusing just on 90 days. More and more banks are (without explicitly saying so) coming very close (perhaps not exactly) to Chase's 5/24 limits (which no more than 4 new accounts showing on your credit with an "opened on" date in past 24 months).

Barclay and BofA may both be leaning that way, based on reports in other threads, without every saying so publicly (and without necessarily faxing a "fixed" N/24 limit the way Chase seems to have). Those people who are under Chase's 5/24 limit also seem to have little problems applying for BofA and Barclay cards much of the time. Those people who brag that they are "LOL/24" at Chase are then surprised to find themselves being denied at more and more banks, including BofA.