Most likely your have lowered your credit score with new inquiries and new accounts to the point where a computer cannot instantly approve you, so it gets kicked out for human intervention. You have not damaged it to the point where you will get denied, but you may be getting there. There are strategies to minimize the damage. Head over to fatwallet.com and read up on the app-o-rama threads. I would also sign up for one of the three-in-one credit monitoring services so you can see what is actually on your report, and also start bumping off any Trans Union and Equifax inquiries.