Credit Cards

[jdirilo]

I was recently approved for unsecured Cap 1 card $500 and NFCU $500 nrewards. Denied everywhere else

yes I know it's a lot, I just get that uncontrollable itch! But since I have pretty much applied every and been denied, I don't think I will be apping anytime soon.

[snowkitty]

I have 10 on my eq and 5-7 on ex and tu......the scores I have below are most current...I was denied cap one and citibank visa early on...too many inq. for cap one and new accounts for citi. But citi did approve me for the shell card

[Jlu]

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Tommy5746 wrote:

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Jlu wrote:

Was just approved for that fancy visa siggy in my sig (no pun) with 21 inquiries.

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What was your score when you app'd for the card? What bureau did they pull?

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Not sure yet, I think they pulled EX, which compliments of AMEX is 685 as of a couple weeks before this app. I'm assuming it was EX because no CK (TU) or SW (EQ) alerts thus far.

EDIT: I always must mention that I am a business owner making 6-figures and have closer to 6-figures in my Chase checking account. This definitely played a role. It also proves that money can buy approvals, sometimes.

[cd2004]

I currently have 21 inq on EX and EQ and 17 on TU. I have been approved for: Chase freedom, Kanes, Ashley's, American Signature, Cap1 cash rewards and TJX card in September with all reports having over 18inqs and the only I had to recon was Chase. I also refi a unsecured loan for 3.4K with my credit union in August and I had about 18inqs.

[emptypockets]

I think the most I have ever had at one time was 12 on EX. I have 9 right now, with 2 that will fall off next week, and 2 more that will fall off in December. On TU and EQ, the most is maybe 4-5 each. Right now I have 1 on TU and 0 on EQ.

[jamesdwi]

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Tommy5746 wrote:

Whats the most amount of inqs youve ever had on your report at one time... Also, whats the most amount of inqs youve had on your report and STILL approved for a credit card...

For me, its 15 inqs.. although 4 of those were for auto shopping.. But still.. 15 is a ton! I was also approved for a Citi Dividend with 10 inqs on my EX report..

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Don't have the exact numbers but it was a lot, before I knew what my credit score was or any details on how the FICO worked, But we needed a car, and had 2k down payment.  I walked in to a car dealership, and they saw my paycheck as a IT contractor that also had a bit of overtime reporting and we will get you financing just be patient, About 2 3 hours later we walked out with a car, and a car loan at an ungodly rate, and in the mail for the next 3 weeks straight we were getting denial letters, at least 4-5 each day. So I figured it was about 20 on each report from a single car loan. No credit cards, basicly only collections showing on the report when I was approved. But that was over 40 months ago.  Car loan now paid off in full.

I now have about 9-10 Inq's over the last 2 years on each of my reports thanks to my AP addiction,  thankfully I am fighting it,  6 weeks AP free today. 

[calihlove75]

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Tommy5746 wrote:

Whats the most amount of inqs youve ever had on your report at one time... Also, whats the most amount of inqs youve had on your report and STILL approved for a credit card...

For me, its 15 inqs.. although 4 of those were for auto shopping.. But still.. 15 is a ton! I was also approved for a Citi Dividend with 10 inqs on my EX report..

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13 on TU and was approved for Walmart Discover with 12. Everyone pulls TU for me for some reason (three of them are HSBC/Cap one over a few week period over same $300  card) My EQ only has 5 (4 next week). So much for EQ being the main one pulled....not for me. TU loves me!!

[calihlove75]

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maiden_girl wrote:

I have about 30 INQs. And I've been approved for cards with the INQs. My FICO score is around 719

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Makes you wonder if inquiries really matter. I mean I get so stressed out over the possibility of a hard pull. Maybe they mean a lot less to creditors than the extent to which I worry about them.

[jonmartin]

I have 39 on each.

[pkhuu78]

I have 24 currently on Experian  and 12 each on the other 2.