Last May with scores similar to yours, I applied and was denied. They cited too many recent inquiries and too many new accounts.
Prior to the application, I got a BCE, Chase SW card, Dell Preffered Card. Inquires were fewer than 5 on EX. And 2 of the 3 were for an auto loan. Prior to those three cards, I had no activity for 24 months.
I was later approved in October w/ $9 SL (I had preapproved mailers but none of the codes worked and preapproved makes sites never work for me) on a cold app.
Lenders R’s aren’t aware of 0% offers. Unfortunately, all they see is debt. What’s your aggregate utilization and individual card utilization?
Basically, give it some cooling off time and they’ll come around. Your scores are good but they’re apprehensive about the new accounts and mild credit seeking behavior.
P.S. Thinking back a few years, when I was in college, I had a 730+ score and only one credit card ($1000/$5000 - 20% utilization) and a 3% DTI and they denied me then. You never know.
