Re: GASP.... USBank INSTANT DENIED - New Accounts!
Chase Ink is 0% for 6 months. Amex Open Blue is 0% for 12 months for qualified applicants, otherwise it's 6.
US Bank has a hard rule about not approving for anyone with more than 3 or 4 accounts the past 6 months. They seem to be pretty inflexible on number of new accounts, while excessive inquiries you may be able to request recon if your credit profile is strong enough.