No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I am one card away from completing my card list. I was denied credit for to many inquirys, 21 various inquirys over the last month. The question is should I wait 12 months or six months safe to app again for American Express or Citi ?
@dodgeball wrote:I am one card away from completing my card list. I was denied credit for to many inquirys, 21 various inquirys over the last month. The question is should I wait 12 months or six months safe to app again for American Express or Citi ?
You could try at 6 months but make sure your utilization is way down to improve your chances. Inquires after 6 months have little effect. After 12 months have almost no effect on your score. Some lenders may go only as far back as 3 months others 6 or even a year, really no way of telling. I am going to try with Chase and American Express at the 6 month mark for me (had lots of inquires back in Aug.) if denied cuz of inquiries i am then going to wait a whole year. I am taking a chance and see what happens.
@dodgeball wrote:I am one card away from completing my card list. I was denied credit for to many inquirys, 21 various inquirys over the last month. The question is should I wait 12 months or six months safe to app again for American Express or Citi ?
21!
No about 15 of them where in Dec on Equifax. The rest from the previous month. About 7 of them where for Credit Card pulls the rest where for limit increases NFCU and three where for membership to various banks. I was thinking letting them age for a year myself. It seems that most CC companies only count inquires in the past year though I could be wrong on that I know at least USAA does.
@09Lexie wrote:
@dodgeball wrote:I am one card away from completing my card list. I was denied credit for to many inquirys, 21 various inquirys over the last month. The question is should I wait 12 months or six months safe to app again for American Express or Citi ?
21!
The Hit on Inquiries is overated , any way they all pulled equifax I have only like 3 on transunion