I applied for a United Biz card back in November and a CIC 2 days ago. In both instances, the final page resulted in "We need to review longer," and the phone status line always said "no applications on file" which was incredibly confusing. I only realized today that I received letters stating the following reasons:

United Biz:
Too many credit cards opened in the last two years associated with you

CIC:
Too many credit cards opened in the last two years associated with you
Business structure
Insufficient business deposit relationship with us

I always applied with my sole-prop businesses. I track my cards diligently and as far as I can tell, I'm 4/24. Is this an outlier situation or have I made a mistake somehow? Surely 5/24 rule hasn't changed?