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Member
Posts: 38
Registered: ‎12-31-2012
0

How inquiry-sensitive are these companies?

- Barclays

- Chase

- Bank of America

- Discover

 

What number of inquiries "tips the scale" for them?

Senior Contributor
Posts: 3,528
Registered: ‎01-19-2009
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Re: How inquiry-sensitive are these companies?

I would say Braclays is, even after you get the card they may AA you, I think they are the worst from what I heard

Regular Contributor
Posts: 245
Registered: ‎10-05-2012
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Re: How inquiry-sensitive are these companies?

Barclay is the worst from I what I read.

 

Chase is bad too, actually had accounts declined due to 3 Inq within 6 months.  I think for them 6 months Inq free is key.

 

B of A is not that bad, but be warned they might just pull two hards on different CRA's to see what you are up to.  They just did that to me last week, got a HP TU and HP EX for a card, I was approved for 5k though.

 

Discover, never had them say anythiing about Inq, just new accounts in a short time.  Maybe that is why they only gave me 3k on the IT in Jan 2013.

 

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B of A Visa 30k, Wells Plat Visa 6.7k RC Willey 5k Discover IT 4k AMEX TE 2k
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: How inquiry-sensitive are these companies?

Idk about Barclays

Chase was 'concerned' about my 6 inq's in 12 mos (3 were from them) but after I explained what they were for I was approved for $3k

Discover didn't mention inq and I had more on my TU report (like7) due to all my GE cards- they only gave me $2500.
New Contributor
Posts: 66
Registered: ‎01-06-2013
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Re: How inquiry-sensitive are these companies?

Barclays denied me for to many APP Inquiries in the last month :smileysad: 

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: How inquiry-sensitive are these companies?


Nord wrote:

- Barclays Very

- Chase Yes

- Bank of America So So

- Discover So So

 

What number of inquiries "tips the scale" for them?


I would say more than 4-5 in a 6 month period will catch their eye. Barclays is good on recon.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
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Established Contributor
Posts: 937
Registered: ‎07-24-2012
0

Re: How inquiry-sensitive are these companies?


Nord wrote:

- Barclays

- Chase - last card was 15 on EX and was approved

- Bank of America  - 18 on EX and approved

- Discover

 

What number of inquiries "tips the scale" for them?


Who knows. I only have cards with Chase and B of A on your list. I called Chase on my last application because I did not get instant approval but once I spoke with someone they said I was approved. B of A approved after recon and asked about the 18 EX pulls but didn't let me finish answering even though that was the reason for decline. All of the EX pulls in last 9-10 months. So it's a YMMV situation. I have a good 740+ score, clean of baddies, nearly 10 year AAoA and spend a lot on cards with PIF every month. 

Frequent Contributor
Posts: 341
Registered: ‎08-14-2012
0

Re: How inquiry-sensitive are these companies?

My personal experience: Discover is hard to recons with.

 

From what I've read: Chase and Barclays seems to be lenient with recons.

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