How many inquiry's does it take to be in new car loan denial?

[Creditaddict]

Don't they use same pull? Doesn't matter if denied now, you just apply again later when you fix the util

[Anonymous]

If I would of applied for loan it would of been separate HP. One for member and another for loans or cc app. But when I do request for loan I'll apply for their CC too that way it only uses one HP in future. With PenFed membership, loan, and cc applications are one HP. When I'm ready for car loan I'll apply for PenFed and apply for auto loan for both.