Credit Card Discussion

-Never missed a payment (always paid most or all of the bill before or on the due date)
-3 Credit cards
-6 month credit history on one card
Only problem is I have 14 inquiries on my credit report. How good of a chance do I have to be accepted for a discover or american express student [...]

I read following somewhere …
“hard inquiries (the ones that show up when you actually apply for credit) only affect your score after 2 weeks. The formula for your credit score excludes the number of inquiries that you have had over the past two weeks. The credit bureau got wise to the fact that people apply [...]

they didn’t approve my for credit last time and i know inquiries affect my score, with this score should i try again?