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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.

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
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Established Contributor
Posts: 1,837
Registered: ‎08-20-2012

Re: Inquiry sensitive lenders

Barclays of course

Posts: 13,897
Registered: ‎04-15-2011

Re: Inquiry sensitive lenders

+1 Barclays

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
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Valued Contributor
Posts: 1,190
Registered: ‎05-17-2010

Re: Inquiry sensitive lenders


FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Senior Contributor
Posts: 3,958
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.

-No Credit Cards- Gardening Since 11/23/15
Valued Contributor
Posts: 3,099
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%
New Contributor
Posts: 96
Registered: ‎07-31-2012

Re: Inquiry sensitive lenders

Citi, Barclay, Amex, and BOA..... All inq. Sensitive
My Current Plastic: {Amazon Store Card} {Amazon Visa} {Amex Zync} {Amex Gold PRG} {Amex BCE} {Bloomingdales} {BOA 123 Cash Rewards} {Capital One Platinum Visa} {Chase Freedom Visa} {Discover IT} {Kohls} {Macy's} {Nordstrom} {SonyCard Visa} {Target RedCard}

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