Posts: 16
Registered: ‎10-12-2012

Inquiry sensitive lenders

which lenders are inquiry sensitive?

Besides hurting fico score, I assume inquiries have psychological

effects on credit analysts at banks.

Well, inquiries are proof of "seeking credit"
I read on forum that citi is quite sensitive about inquiries.

More than likely to turn you down if you have 2 within a year.

What other lenders are sensitive?

Anybody had recent experiences of being turned down because you had inquiries?

If so, how many inquiries did you have?


Also, when does inquiry show up on your report after you apply for credit card/loan?


Always appreciate your valuable time and answer !!


Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012

Re: Inquiry sensitive lenders

Citi is sensitive and chase to lesser degree. Barclays is after you get their card at least for the first 6 months.

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Established Contributor
Posts: 1,837
Registered: ‎08-20-2012

Re: Inquiry sensitive lenders

Barclays of course

Posts: 12,952
Registered: ‎04-15-2011

Re: Inquiry sensitive lenders

+1 Barclays

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Valued Contributor
Posts: 1,132
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Re: Inquiry sensitive lenders


Senior Contributor
Posts: 3,694
Registered: ‎10-02-2012

Re: Inquiry sensitive lenders

barclay is not inquiry freindly they turn you down just because of that! Ive applied like three time and denied. GE is the best in my opinion.

Valued Contributor
Posts: 3,097
Registered: ‎10-02-2012

Re: Inquiry sensitive lenders

[ Edited ]

Crap1 is pretty INQ sensitive 4 their prime cards.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    

     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
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Posts: 96
Registered: ‎07-31-2012

Re: Inquiry sensitive lenders

Citi, Barclay, Amex, and BOA..... All inq. Sensitive
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