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Does Anyone Know What Credit Card Companys Are Not Sensative To Inq And Which Ones Are Very Inq Sensative?
I know it's definitely ymmv but I've gotten all three of my Amex cards with over 20 INQs, in fact the last two with over 30. I also got my Citi TYP, Chase CSP and Marriott with over 20. So in my case Amex and Chase didn't mind them at all. Amex did give me low CLs though.
@Emeraldautomotive wrote:Does Anyone Know What Credit Card Companys Are Not Sensative To Inq And Which Ones Are Very Inq Sensative?
Barclays is very inq sensitive. How many do you have? Plus depending on how thick your file is also makes a big difference as to how a CCC might view multiple Inqs on your report.
Inquiry sensitivty can vary with credit profile as well. Inquiries are commonly cited for those with thinner profiles.
@ezdoesit wrote:
@Emeraldautomotive wrote:Does Anyone Know What Credit Card Companys Are Not Sensative To Inq And Which Ones Are Very Inq Sensative?
Barclays is very inq sensitive. How many do you have? Plus depending on how thick your file is also makes a big difference as to how a CCC might view multiple Inqs on your report.
I'd highly disagree with this. Everybody seems to go by he said she said with Barclays, but they base things on each persons individual profile more than people may think. I just recently got approved for my Sallie Mae card with 28 INQs. When I called to recon my limit the CSR said the INQ's weren't a problem for them, but I was at my max exposure with Barclays for now (10k). Even when I started rebuilding and got my 1st Barclay Rewards card I was well over 30 INQ's and was approved instantly. Saying Barclay is very INQ sensitive isnt necessarily true.
I had a very similar experience. So not always true
@PlasticOrPlastic wrote:
@ezdoesit wrote:
@Emeraldautomotive wrote:Does Anyone Know What Credit Card Companys Are Not Sensative To Inq And Which Ones Are Very Inq Sensative?
Barclays is very inq sensitive. How many do you have? Plus depending on how thick your file is also makes a big difference as to how a CCC might view multiple Inqs on your report.
I'd highly disagree with this. Everybody seems to go by he said she said with Barclays, but they base things on each persons individual profile more than people may think. I just recently got approved for my Sallie Mae card with 28 INQs. When I called to recon my limit the CSR said the INQ's weren't a problem for them, but I was at my max exposure with Barclays for now (10k). Even when I started rebuilding and got my 1st Barclay Rewards card I was well over 30 INQ's and was approved instantly. Saying Barclay is very INQ sensitive isnt necessarily true.
Most are sensitive in their own regard, but in my experience Amex, BoA, Chase and Discover have been the least sensitive. Barclays can be, particularly if you decide to call and speak to an analyst. Citi is if you have 6 or more inq in the last 6 months on whichever CR they pull. Comenity, FNBO, Penfed (most CUs for that matter) and US Bank have been the most sensitive in my experience.
So US BANK is definatly HP Inquiry sensative. Prior to my APP SPREE in early June when I was pre-apping US Bank, I got most offeres minus CASH+ as offers on their pre-app screening. At end of my 3 card SPREE I tried and was offered only their Secured Card : ( sad lol. Only 2 new inquires were addded to each CRA.
So 2 new INQ ahead of US BANK altered their pre-approval of me in their pre-screening online . How long till they deam inquires not to boither them 6 months is possible I hope, 1 year for sure??
Bank of America is Inq senstive at least for me ... One of the reasons for denial was to many at 29 on my EX report. Reconed and got it approved but still an auto decline from Bank of America for 2 many inq's