Capital One - how many is too many?

  • all three FICO8 scores are around 800.
  • only have C1VX with C1 for about 11 months.
  • 16 active CCs in total 💀

Today, I applied for Capital One® Savor® with instant decline:

Based on your credit report from one or more of the agencies on the back of this letter, there are too many active credit cards based on your loan history

So no matter how good other factors are, there is no workaround because of too many active CCs? And how many is too many per C1?