i just applied for citi forward and spoke to a representative and they said i got delined cause i have to many inquieres when i only have 4 like seriously guys
i dont know cause i called em back to speak with some one new and they gave me the same exact thing i know people with 10 inquires who got approved quick than they told me theyd want me to check my equifax report and call em check for errors and fax them the updated version of it
What I've found is that if an issuer wants to approve, they'll overlook the inquiries, however many they may be. Conversely, if they don't want to approve, even 2 could be considered "too many" inquiries.
I've noticed that even on my approvals, I receive a letter stipulating that I didn't receive the best interest rate or terms for too many inquiries, too much available credit (or too little), and too high of a balance.
Citi is one of the more inquiry sensitive issuers. They usually do not like to see many recent inqs or new accounts.