If you’ve ever applied for a credit card online,
you’re familiar with the following process: fill out a form with your name,
address, Social Security number and some information about your annual
household income, monthly housing payment and sources of savings.
and within 60 seconds your application is approved, denied or pending further
If your credit card application is denied, you don’t have to take no for an answer--at least not right away.
The company has to tell you why it denied your application.
If the reason is "too many requests for credit or opened accounts with us," consider this initial rejection a starting point for a possible negotiation.
Learn how to undertake such a negotiation in my Interest.com article, How to Ask for a Credit Card Reconsideration.