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CREDIT CARD COMPANYS THAT ARE NOT INQUIRY SENSATIVE

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Emeraldautomotive
New Contributor

CREDIT CARD COMPANYS THAT ARE NOT INQUIRY SENSATIVE

Does Anyone Know What Credit Card Companys Are Not Sensative To Inq And Which Ones Are Very Inq Sensative?

Life is about decisions good ones and bad ones, we will prosper when we make more good ones than bad ones.
Message 1 of 10
9 REPLIES 9
One7
Valued Contributor

Re: CREDIT CARD COMPANYS THAT ARE NOT INQUIRY 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.

EX 810 EQ 805 TU 792 Diners WEMC 15k Chase United Club VS 15k | Hyatt VS 25k | Ritz VI 5k | Frdm VS 6k | CSP VS 5k | Mariott VS 6k | Amzn VS 16k Citi ExecAA WEMC 18k | TYP VS 7k | Costco VS 9k | Hilton Reserve VS 6k | Best Buy Visa 5k BofA Travel VS 30k | Cash VS 41k | Merrill+ VS 46k Barclay Rwds WMC 6k | Hawaiin WEMC 10k | JetBlue WEMC 8k | Aviator S WEMC 6k Amex Plat: NPSL | BCP 8k | SPG 3k WF Rwds VS 9k | Propel World Amex 25k | Dillards Amex 2k BBVA NBA Amex 10k Cap1 GM WEMC 8k | QS Visa 3k | Saks WEMC 9k NASA 30k Discover It 7k | US Bank Cash+ VS 15k | Flex Perks VS 20k ||| Total Rwds VS 12k | SG Rwds 11k | Walmrt MC 8k | Lowes 17k | Bowflex 9k | J Deere 15k | TJ Max 4k | Care 15k | HDepot 20k | Amzn 5k | PPal Extras 8k | Chvron 10k | Macys 15k | JCrew 18k | Marvel 8k | Stash VS 8k | Cabelas 10k | Statefarm 12k | Nordstrom Visa 10k \\\\Gardening since January////
Message 2 of 10
ezdoesit
Valued Contributor

Re: CREDIT CARD COMPANYS THAT ARE NOT INQUIRY SENSATIVE


@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.

Message 3 of 10
takeshi74
Senior Contributor

Re: CREDIT CARD COMPANYS THAT ARE NOT INQUIRY SENSATIVE

Inquiry sensitivty can vary with credit profile as well.  Inquiries are commonly cited for those with thinner profiles.

Message 4 of 10
PlasticOrPlastic
Established Contributor

Re: CREDIT CARD COMPANYS THAT ARE NOT INQUIRY SENSATIVE


@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. 

Message 5 of 10
One7
Valued Contributor

Re: CREDIT CARD COMPANYS THAT ARE NOT INQUIRY SENSATIVE

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. 


 

EX 810 EQ 805 TU 792 Diners WEMC 15k Chase United Club VS 15k | Hyatt VS 25k | Ritz VI 5k | Frdm VS 6k | CSP VS 5k | Mariott VS 6k | Amzn VS 16k Citi ExecAA WEMC 18k | TYP VS 7k | Costco VS 9k | Hilton Reserve VS 6k | Best Buy Visa 5k BofA Travel VS 30k | Cash VS 41k | Merrill+ VS 46k Barclay Rwds WMC 6k | Hawaiin WEMC 10k | JetBlue WEMC 8k | Aviator S WEMC 6k Amex Plat: NPSL | BCP 8k | SPG 3k WF Rwds VS 9k | Propel World Amex 25k | Dillards Amex 2k BBVA NBA Amex 10k Cap1 GM WEMC 8k | QS Visa 3k | Saks WEMC 9k NASA 30k Discover It 7k | US Bank Cash+ VS 15k | Flex Perks VS 20k ||| Total Rwds VS 12k | SG Rwds 11k | Walmrt MC 8k | Lowes 17k | Bowflex 9k | J Deere 15k | TJ Max 4k | Care 15k | HDepot 20k | Amzn 5k | PPal Extras 8k | Chvron 10k | Macys 15k | JCrew 18k | Marvel 8k | Stash VS 8k | Cabelas 10k | Statefarm 12k | Nordstrom Visa 10k \\\\Gardening since January////
Message 6 of 10
B335is
Moderator Emeritus

Re: CREDIT CARD COMPANYS THAT ARE NOT INQUIRY SENSATIVE

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.

Message 7 of 10
ezdoesit
Valued Contributor

Re: CREDIT CARD COMPANYS THAT ARE NOT INQUIRY SENSATIVE


 

 

Message 8 of 10
MidnightJester
Frequent Contributor

Re: CREDIT CARD COMPANYS THAT ARE NOT INQUIRY SENSATIVE

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??

Message 9 of 10
Closingracer99
Valued Contributor

Re: CREDIT CARD COMPANYS THAT ARE NOT INQUIRY SENSATIVE

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 


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 10 of 10
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