How bad is Citi about number of inquiries?

[Anonymous]

Now that I have the US Airways card I want the AAAdvantage card from Citi so the points can be combined later on.  I have like 7 inqs on EQ now

[Membersince2013]

Citi is notoriously ANNOYING with their INQ expectations. With anything more than 5-6, be prepared to get declined for having too many INQS. Funny thing is that they also ADD their INQ to it too. I remember calling them when I have 10 INQ and I was told that I have too many. I told the lady that 3 of those INQ were a result of me asking for a CLI for the past 6 months. She then proceeded to tell me that CITI won't count "CITI INQS" then I asked why she told me I had 10 INQ instead of 7 lol. ALSO, YMMV, so you can try if you want.

[Membersince2013]

If I may add... My scores were pretty high back then... I was sitting at 775. If I were at 699 like I am now, I wouldn't even bother applying.

[Anonymous]

Thanks for the info.  Guess I will hold off

[Anonymous]

I was denied for Doublecash for inquiries back in August. I had 9 EX inquiries in the last 2 years at that point (3 in the last year), and my EX FICO was 677.

When I tried to Recon (2x), they stated that my credit profile qualified me for approval but that I had too many inquiries showing. So it's not exclusively 6 INQ/last 6 months as i've seen referenced on here before.

[emptypockets]

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@Anonymous wrote:

Now that I have the US Airways card I want the AAAdvantage card from Citi so the points can be combined later on.  I have like 7 inqs on EQ now

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You say you INQ's are on EQ, they usually pull EX anyway. I hear they are INQ sensitive, but I think they don't really care. If they want to give you the card, they will. I was approved for my last 2 Citi cards with 8 and 9 INQ's on EX.

[Anonymous]

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@emptypockets wrote:

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@Anonymous wrote:

Now that I have the US Airways card I want the AAAdvantage card from Citi so the points can be combined later on.  I have like 7 inqs on EQ now

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You say you INQ's are on EQ, they usually pull EX anyway. I hear they are INQ sensitive, but I think they don't really care. If they want to give you the card, they will. I was approved for my last 2 Citi cards with 8 and 9 INQ's on EX.

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It was a typo.  I meant EX

[dilettante]

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@emptypockets wrote:

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@Anonymous wrote:

Now that I have the US Airways card I want the AAAdvantage card from Citi so the points can be combined later on.  I have like 7 inqs on EQ now

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You say you INQ's are on EQ, they usually pull EX anyway. I hear they are INQ sensitive, but I think they don't really care. If they want to give you the card, they will. I was approved for my last 2 Citi cards with 8 and 9 INQ's on EX.

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They double pull me each time on EX and EQ  I've opened up 3 Citi cards the past 10 months, the latest with 9 inq's on both EQ and EX and 3 months after the second Citi card, so I think it really depends on your overall profile.

[mikelo22]

 Depends on who they pull for you. Back when I applied for my Forward, they only pulled EQ. That Inquiry is gone now, leaving me with a blank slate on EQ, but 6 INQ's on EX and TU. Chase and their double-pulling screwed me over. 

I always assumed Citi was one of the few major CCC's that always pulled EQ. But as always, it appears YMMV.

[14Fiesta]

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@Anonymous wrote:

Now that I have the US Airways card I want the AAAdvantage card from Citi so the points can be combined later on.  I have like 7 inqs on EQ now

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It varies depending on the profile, but the general consensus is if you have more than 6 INQ in the past 6 months, asking Citi for credit is like hitting a concrete wall at 70 MPH.